VeraBank, N.A.
VeraBank, N.A. is an FDIC-insured commercial bank headquartered in Henderson, TX, supervised by the OCC, with $4.86B in total assets at Q3 2026, up 12.0% from Q3 2025, the 21st largest of 345 banks headquartered in Texas. It was established in 1930 and holds FDIC certificate 3250. Its CET1 capital ratio was 17.92% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
BankRegReports is independent of VeraBank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3250
- Headquarters
- Henderson, TX
- Established
- 1930
- Total assets, Q3 2026
- $4.86B
- Assets vs Q3 2025
- +12.0%
- CET1 ratio, Q3 2026
- 17.92%
- Domestic offices
- 43 branches
- Routing number
- 111903151
- Safety and soundness
- Is VeraBank, N.A. safe?
- Latest call report
- Q3 2026, FFIEC 041 · VeraBank, N.A. call report
- Holding company
- VERABANK, INC.
- Asset rank in state
- 21st of 345 in Texas
VeraBank, N.A., based in Henderson, Texas, reported $4.9 billion in assets at September 30, 2026, up 12.0% from a year earlier. It pays an average of 1.12% on its deposits and borrowings, about half the median of 2.05% for the 887 banks with $1 billion to $10 billion in assets. It also shrank its loan book 0.3% over the year, lower than about three-quarters of banks its size (median 6.0%).
Earnings jumped: net income for the quarter was $19 million, 48% above the same quarter a year earlier. Over the same year, loans shrank 0.3% and deposits grew 12.5%.
As of September 30, 2026, VeraBank, N.A. reported a CET1 capital ratio of 17.92%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.93% and a Texas ratio of 5.22%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, VeraBank, N.A. is the 21st largest of the 345 banks headquartered in Texas. From Q2 2026 to Q3 2026, its total assets rose 6.1% to $4.86B, loans fell 1.5% and deposits rose 6.7%. 1-4 family residential loans made up 33.7% of its total loans on September 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.7%. Its 42 offices in the FDIC Summary of Deposits are in 33 cities in TX; its Henderson 2 offices book 12% of its branch deposits. Judged on its Q3 2026 call report, VeraBank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 W Main St, Henderson, TX 75652
- County
- Rusk
- Metro Area
- Longview, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 28, 1930
- Former names
- Citizens National Bank (1994-2019)
- Domestic offices
- 43 branches
- Employees (FTE)
- 563
- Domestic deposits
- $4.29B
- Allowance for credit losses
- $34.4M
- Net charge-offs (YTD)
- $2.8M
- Average total assets
- $4.71B
- Average total loans
- $2.77B
- Average interest-bearing deposits
- $3.97B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3250
- Fed RSSD
- 56351
- SEC CIK
- 878355 → filed by VERABANK, INC.
- Website
- www.verabank.com →
- Parent Holding Company
- VERABANK, INC. (RSSD 1917600)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch VeraBank, N.A.: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, VeraBank, N.A.'s total assets ranged from $4.07B (Q4 2023) to $4.86B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$4.86B total assets against $4.34B; $4.33B total liabilities against $3.85B.
$2.73B net loans and leases against $2.74B; $4.29B total deposits against $3.82B.
$697.9M securities against $654.7M; $1.16B cash and balances due against $691.3M.
$61.0M total interest income against $57.1M; $14.6M total interest expense against $14.4M.
$46.4M net interest income against $42.6M.
$11.3M total noninterest income against $9.7M; $33.7M total noninterest expense against $31.4M.
$1.1M provision for credit losses against $5.0M.
$19.2M net income against $12.9M.
1.63% return on assets against 1.20%; 4.23% net interest margin against 4.27%.
17.92% CET1 capital ratio against 16.37%; 11.04% tier 1 leverage ratio against 10.78%.
Inside the full VeraBank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVeraBank, N.A. rankings
Its closest position to the top of a national ranking is 293 of 4,193, for total assets; its furthest is 583 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.20% (Q3 2025) to 1.75% (Q4 2024) and its net interest margin ran from 3.99% (Q1 2025) to 4.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 17.92% | 1.63% | 0.93% | 5.22% | 4.23% |
| Q2 2026 | 17.27% | 1.65% | 0.96% | 5.54% | 4.33% |
| Q1 2026 | 17.28% | 1.57% | 0.87% | 4.97% | 4.21% |
| Q4 2025 | 17.05% | 1.72% | 0.84% | 4.78% | 4.19% |
| Q3 2025 | 16.37% | 1.20% | 0.85% | 5.07% | 4.27% |
| Q2 2025 | 15.74% | 1.68% | 0.60% | 3.92% | 4.17% |
| Q1 2025 | 15.13% | 1.42% | 0.34% | 2.23% | 3.99% |
| Q4 2024 | 14.81% | 1.75% | 0.44% | 2.83% | 4.18% |
Swipe the table sideways to see every column.
Branch Network
View all 42 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| VeraBank, N.A. (main office) | Henderson , TX | 75652 | $437.6M |
| Austin Branch | Austin , TX | 78703 | $244.9M |
| Corsicana Downtown Branch | Corsicana , TX | 75110 | $208.5M |
| Tyler Grande Branch | Tyler , TX | 75703 | $198.4M |
| Huntsville Branch | Huntsville , TX | 77340 | $191.8M |
| College Station Branch | College Station , TX | 77845 | $184.2M |
| Palestine Branch | Palestine , TX | 75801 | $184.1M |
| Conroe Branch | Conroe , TX | 77304 | $165.9M |
| Round Rock Branch | Round Rock , TX | 78664 | $157.2M |
| Lufkin West Branch | Lufkin , TX | 75904 | $138.8M |
| Tatum Branch | Tatum , TX | 75691 | $137.4M |
| Marshall Branch | Marshall , TX | 75672 | $121.9M |
| Georgetown Branch | Georgetown , TX | 78628 | $113.9M |
| Chandler Branch | Chandler , TX | 75758 | $105.2M |
| Athens Branch | Athens , TX | 75751 | $95.8M |
| Longview Downtown Branch | Longview , TX | 75601 | $93.8M |
| Carthage Branch | Carthage , TX | 75633 | $90.7M |
| Florence Br | Florence , TX | 76527 | $89.9M |
| Jefferson Branch | Jefferson , TX | 75657 | $89.4M |
| Mount Pleasant Branch | Mount Pleasant , TX | 75455 | $82.8M |
| White Oak Branch | White Oak , TX | 75693 | $80.5M |
| Kilgore Br | Kilgore , TX | 75662 | $72.8M |
| Killeen Branch | Killeen , TX | 76541 | $72.4M |
| Harker Heights Branch | Harker Heights , TX | 76548 | $68.2M |
| Waskom Branch | Waskom , TX | 75692 | $64.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 28, 2021 | M&A | Acquired Panola National Bank merger for the acquired bank | SEC |
| August 28, 2021 | Structure Change | Acquired Panola National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 27, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 2018 | M&A | Acquired Union State Bank merger for the acquired bank | SEC |
| November 10, 2018 | Structure Change | Acquired Union State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 9, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 2016 | M&A | Acquired Kilgore National Bank merger for the acquired bank | SEC |
| November 5, 2016 | Structure Change | Acquired Kilgore National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2013 | M&A | Acquired The East Texas National Bank of Palestine merger for the acquired bank | SEC |
| September 28, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 2013 | Structure Change | Acquired The East Texas National Bank of Palestine Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2013 | M&A | Acquired White Oak State Bank merger for the acquired bank | SEC |
| February 16, 2013 | Structure Change | Acquired White Oak State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2001 | Structure Change | Acquired Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2001 | M&A | Acquired Peoples State Bank merger for the acquired bank | SEC |
| December 12, 1998 | M&A | Acquired Jefferson National Bank merger for the acquired bank | SEC |
| December 12, 1998 | Structure Change | Acquired Jefferson National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 11, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 24, 1998 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 24, 1998 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| July 23, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1992 | M&A | Acquired Merchants State Bank merger for the acquired bank | SEC |
| January 1, 1992 | Structure Change | Acquired Merchants State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 1990 | Structure Change | Acquired General Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 30, 1990 | M&A | Acquired General Savings Association failure_government_assistance_provided for the acquired bank | SEC |
| June 29, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 30 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in TX, rank 40 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 672 applications, 473 loans originated, $152.7M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
Frequently asked about VeraBank, N.A.
What are VeraBank, N.A.'s total assets?
As of the Q3 2026 filing, VeraBank, N.A. reported total assets of $4.86 billion in its FFIEC call report.
Where is VeraBank, N.A. headquartered?
It is headquartered in Henderson, TX, United States.
When was VeraBank, N.A. founded?
It was established in 1930, per the FDIC institution directory.
Is VeraBank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates VeraBank, N.A.?
VeraBank, N.A.'s primary federal regulator is the OCC.
What is VeraBank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.92% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does VeraBank, N.A. operate?
It operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is VeraBank, N.A.'s Texas Ratio?
Its Texas Ratio is 5.22% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was VeraBank, N.A. previously called?
The charter now named VeraBank, N.A. has also operated as Citizens National Bank (1994-2019), per FDIC structure-change records.
Go deeper on VeraBank, N.A.
Get an email when VeraBank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock VeraBank, N.A., freeFree account