Bank Comparison
Highland Bank vs Versabank USA, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Highland Bank | Versabank USA, N.A. |
|---|---|---|
| CET1 Ratio | 10.26% | 35.90% |
| Tier 1 Capital Ratio | 10.26% | 35.90% |
| Total Capital Ratio | 11.52% | 35.94% |
| Tier 1 Leverage Ratio | 8.65% | 24.51% |
| Equity / Assets | 7.44% | 23.62% |
Profitability
| Metric | Highland Bank | Versabank USA, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.29% | 1.18% |
| Return on Equity (ROE) | 3.96% | 4.84% |
| Net Interest Margin (NIM) | 3.80% | 2.94% |
| Yield on Earning Assets | 5.57% | 5.74% |
| Cost of Funds | 1.93% | 3.81% |
Asset quality
| Metric | Highland Bank | Versabank USA, N.A. |
|---|---|---|
| Texas Ratio | 8.96% | 0.06% |
| Non-Performing Loan Ratio | 1.12% | 0.02% |
| Non-Performing Asset Ratio | 0.80% | 0.01% |
| Net Charge-Off Ratio | 0.13% | 0.02% |
| ACL / Loans | 2.50% | 0.04% |
Balance sheet
| Metric | Highland Bank | Versabank USA, N.A. |
|---|---|---|
| Total Assets | $769,765K | $782,851K |
| Total Deposits | $670,568K | $557,388K |
| Total Loans | $551,613K | $472,753K |
| Total Equity | $57,234K | $184,874K |
| Net Income (quarter) | $568 | $2,223K |
Liquidity & funding
| Metric | Highland Bank | Versabank USA, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 82.26% | 84.82% |
| Core Deposit Ratio | 95.27% | 99.11% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Highland Bank | Versabank USA, N.A. |
|---|---|---|
| Headquarters City | SAINT PAUL | HOLDINGFORD |
| Headquarters State | MN | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 23457 |
| Regulator | FDIC | OCC |
| Domestic Branches | 8 | 1 |
| Employees (FTE) | 91 | 18 |
| Established | Dec. 28, 1943, midnight | Oct. 10, 1910, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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