Bank Comparison
Versabank USA, N.A. vs First Freedom Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Versabank USA, N.A. | First Freedom Bank |
|---|---|---|
| CET1 Ratio | 35.90% | — |
| Tier 1 Capital Ratio | 35.90% | — |
| Total Capital Ratio | 35.94% | — |
| Tier 1 Leverage Ratio | 24.51% | 12.56% |
| Equity / Assets | 23.62% | 12.33% |
Profitability
| Metric | Versabank USA, N.A. | First Freedom Bank |
|---|---|---|
| Return on Assets (ROA) | 1.18% | 2.46% |
| Return on Equity (ROE) | 4.84% | 19.96% |
| Net Interest Margin (NIM) | 2.94% | 4.18% |
| Yield on Earning Assets | 5.74% | 6.40% |
| Cost of Funds | 3.81% | 2.39% |
Asset quality
| Metric | Versabank USA, N.A. | First Freedom Bank |
|---|---|---|
| Texas Ratio | 0.06% | 3.37% |
| Non-Performing Loan Ratio | 0.02% | 0.07% |
| Non-Performing Asset Ratio | 0.01% | 0.06% |
| Net Charge-Off Ratio | 0.02% | 0.16% |
| ACL / Loans | 0.04% | 1.13% |
Balance sheet
| Metric | Versabank USA, N.A. | First Freedom Bank |
|---|---|---|
| Total Assets | $782,851K | $781,115K |
| Total Deposits | $557,388K | $676,680K |
| Total Loans | $472,753K | $654,484K |
| Total Equity | $184,874K | $96,350K |
| Net Income (quarter) | $2,223K | $4,699K |
Liquidity & funding
| Metric | Versabank USA, N.A. | First Freedom Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.82% | 96.72% |
| Core Deposit Ratio | 99.11% | 87.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Versabank USA, N.A. | First Freedom Bank |
|---|---|---|
| Headquarters City | HOLDINGFORD | LEBANON |
| Headquarters State | MN | TN |
| Asset Tier | Medium | Medium |
| Charter Class | 23457 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 6 |
| Employees (FTE) | 18 | 71 |
| Established | Oct. 10, 1910, midnight | April 3, 2006, 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.
View full Versabank USA, N.A. profile | View full First Freedom Bank profile | Browse all bank comparisons