Bank Comparison
Versabank USA, N.A. vs Heartland National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Versabank USA, N.A. | Heartland National Bank |
|---|---|---|
| CET1 Ratio | 35.90% | 30.05% |
| Tier 1 Capital Ratio | 35.90% | 30.05% |
| Total Capital Ratio | 35.94% | 31.20% |
| Tier 1 Leverage Ratio | 24.51% | 9.78% |
| Equity / Assets | 23.62% | 9.15% |
Profitability
| Metric | Versabank USA, N.A. | Heartland National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.18% | 1.54% |
| Return on Equity (ROE) | 4.84% | 16.81% |
| Net Interest Margin (NIM) | 2.94% | 3.18% |
| Yield on Earning Assets | 5.74% | 4.75% |
| Cost of Funds | 3.81% | 1.67% |
Asset quality
| Metric | Versabank USA, N.A. | Heartland National Bank |
|---|---|---|
| Texas Ratio | 0.06% | 0.25% |
| Non-Performing Loan Ratio | 0.02% | 0.12% |
| Non-Performing Asset Ratio | 0.01% | 0.02% |
| Net Charge-Off Ratio | 0.02% | -0.06% |
| ACL / Loans | 0.04% | 1.70% |
Balance sheet
| Metric | Versabank USA, N.A. | Heartland National Bank |
|---|---|---|
| Total Assets | $782,851K | $784,649K |
| Total Deposits | $557,388K | $685,290K |
| Total Loans | $472,753K | $156,312K |
| Total Equity | $184,874K | $71,780K |
| Net Income (quarter) | $2,223K | $2,962K |
Liquidity & funding
| Metric | Versabank USA, N.A. | Heartland National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.82% | 22.81% |
| Core Deposit Ratio | 99.11% | 96.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Versabank USA, N.A. | Heartland National Bank |
|---|---|---|
| Headquarters City | HOLDINGFORD | Sebring |
| Headquarters State | MN | FL |
| Asset Tier | Medium | Medium |
| Charter Class | 23457 | 23773 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 18 | 57 |
| Established | Oct. 10, 1910, midnight | Sept. 7, 1999, 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 Heartland National Bank profile | Browse all bank comparisons