Bank call report · Henderson, TX
VeraBank, N.A. Call Report
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VeraBank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 501 reported line items, schedule by schedule (920 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 56351 |
| FDIC certificate number | 3250 |
| Total assets | $4.58B |
Official Q2 2026 call report PDF (FFIEC) →
VeraBank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · VeraBank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $4.58B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $4.58B |
| Total Liabilities and Minority Interest | RCON2948 | $4.06B |
| Total Deposits | RCON2200 | $4.02B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.80B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.80B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.77B |
| Deposits: Noninterest-bearing | RCON6631 | $1.22B |
| Interest-bearing Balances | RCON0071 | $799.6M |
| Total Equity Capital | RCON3210 | $522.1M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $522.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $444.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $295.2M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $253.3M |
| Held-to-maturity Securities, Total | RCON1754 | $253.3M |
| Surplus | RCON3839 | $231.0M |
| Other Assets | RCON2160 | $123.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $102.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $56.4M |
| Other Liabilities, Total | RCON2930 | $37.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $34.7M |
| Intangible Assets | RCON2143 | $33.7M |
| Goodwill | RCON3163 | $31.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$9.6M |
| Common Stock | RCON3230 | $5.4M |
| Other Real Estate Owned | RCON2150 | $2.3M |
| Loans and Leases Held for Sale | RCON5369 | $1.7M |
Schedule RI: Income Statement (52 items)
About Schedule RI · VeraBank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $115.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $90.8M |
| Net Interest Income | RIAD4074 | $89.7M |
| Total Noninterest Expense | RIAD4093 | $64.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $45.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $45.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $44.8M |
| Salaries and Employee Benefits | RIAD4135 | $39.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $36.3M |
| Net Income (Loss) | RIAD4340 | $36.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $36.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $26.7M |
| Total Interest Expense | RIAD4073 | $25.8M |
| Total Noninterest Income | RIAD4079 | $22.4M |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | -$17.2M |
| Other Noninterest Expense | RIAD4092 | $17.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $15.5M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $15.2M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $14.5M |
| Other Noninterest Income | RIADB497 | $8.9M |
| Applicable Income Taxes | RIAD4302 | $8.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $8.3M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $6.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $6.3M |
| Interest on Other Securities | RIAD4060 | $5.1M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $4.7M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $4.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $2.9M |
| Provision for Loan and Lease Losses | RIAD4230 | $2.1M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $2.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.8M |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $1.6M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $588K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $550K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $522K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $493K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $408K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $377K |
| Fees and Commissions from Annuity Sales | RIADC887 | $339K |
| Other Interest Income | RIAD4518 | $256K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $209K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $110K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $90K |
| Income from Lease Financing Receivables | RIAD4065 | $76K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $63K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$54K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$41K |
| Net Servicing Fees | RIADB492 | $5K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 569 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $856.0M |
| Balances Due from Federal Reserve Banks | RCON0090 | $798.5M |
| Currency and Coin | RCON0080 | $27.7M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $18.4M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $11.4M |
Schedule RC-B: Securities (48 items)
About Schedule RC-B · VeraBank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $5.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $4.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $23.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $22.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $16.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $16.5M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $461.8M |
| Pledged Securities | RCON0416 | $403.0M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $228.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $203.5M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $181.4M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $170.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $163.7M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $161.8M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $145.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $121.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $113.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $112.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $102.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $76.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $74.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK142 | $64.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK143 | $57.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $47.5M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $34.4M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $34.4M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $33.8M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $33.8M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Amortized Cost | RCONHT58 | $23.2M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Held-to-maturity: Amortized Cost | RCONPU98 | $23.2M |
| Asset-backed securities and structured financial products, Structured financial products, Held-to-maturity, Fair Value | RCONHT59 | $22.1M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Held-to-maturity: Fair Value | RCONPU99 | $22.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $17.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $17.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $10.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $8.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $7.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $7.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $7.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $4.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $4.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $4.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $2.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $2.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $1.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $443K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $309K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $123K |
Schedule RC-C, Part I: Loans and Leases (40 items)
About Schedule RC-C, Part I · VeraBank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.80B |
| Pledged Loans and Leases | RCONG378 | $1.34B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $894.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $690.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $511.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $484.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $466.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $463.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $461.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $409.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $406.7M |
| Commercial and Industrial Loans | RCON1766 | $353.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $353.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $213.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $195.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $190.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $162.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $134.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $121.8M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $87.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $87.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $73.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $51.5M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $37.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $36.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $36.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $26.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $24.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $19.4M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $14.9M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $13.5M |
| All Other Lease Financing Receivables | RCONF163 | $4.4M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $4.4M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $2.9M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $2.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.4M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $1.3M |
| Other Loans | RCONJ464 | $1.3M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $301K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $195.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $91.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $54.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $53.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $39.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $10.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $8.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $6.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $6.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $3.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $3.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.7M |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 2,106 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 553 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 457 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 346 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 311 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 298 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 136 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 96 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 73 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 37 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 30 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 8 |
Schedule RC-E: Deposit Liabilities (34 items)
About Schedule RC-E · VeraBank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $3.97B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $3.62B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.87B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.47B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $883.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $836.5M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $675.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $626.7M |
| Total reciprocal deposits | RCONJH83 | $515.5M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $370.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $335.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $246.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $228.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $218.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $210.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $173.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $150.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $124.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $60.0M |
| Total Transaction Accounts | RCON2215 | $57.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $57.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $46.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $33.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $23.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $8.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $7.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $6.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $6.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $4.6M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $3.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $897K |
| Total Nontransaction Accounts - Deposits of Foreign Governments and Official Institutions | RCON2377 | $495K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $69.5M |
| Other Assets | RCON2168 | $18.1M |
| Accrued Interest Receivable | RCONB556 | $16.2M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $11.7M |
| Prepaid Expenses | RCON2166 | $8.7M |
| Net Deferred Tax Assets | RCON2148 | $7.6M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $4.1M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $18.0M |
| All Other Liabilities | RCON2938 | $14.7M |
| Deferred Compensation Liabilities | RCONC011 | $9.1M |
| Operating lease liabilities | RCONLB56 | $4.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $3.6M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $752K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · VeraBank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $4.55B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $3.13B |
| Quarterly Average of Total Loans | RCON3360 | $2.80B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.42B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $929.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $772.9M |
| All Other Securities | RCONB560 | $405.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $394.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $350.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $206.1M |
| Mortgage-backed Securities | RCONB559 | $168.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $115.7M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $86.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $79.7M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $13.6M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $4.4M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · VeraBank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $200.6M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $127.9M |
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $119.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $102.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $57.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $12.2M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $8.0M |
| Performance Standby Letters of Credit | RCON3821 | $890K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · VeraBank, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.3M |
| All other intangible assets | RCONJF76 | $2.2M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $1.6M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $419K |
| All Other Real Estate Owned: Farmland in Domestic Offices | RCON5509 | $282K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $11K |
| Mortgage Servicing Assets | RCON3164 | $11K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (39 items)
About Schedule RC-N · VeraBank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $24.0M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $16.3M |
| Additions to Nonaccrual Assets | RCONC410 | $7.3M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $6.9M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $5.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $4.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $4.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $4.0M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $3.4M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $3.1M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $2.8M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $2.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.8M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $1.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $1.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $1.1M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $1.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $974K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $923K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $905K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $904K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $826K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $749K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF180 | $724K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $572K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $525K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $366K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $276K |
| All Other Loans - Nonaccrual | RCON5461 | $180K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $180K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $150K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $119K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $112K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $92K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $92K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $61K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $53K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $52K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 90 Days or More and Still Accruing | RCONC239 | $47K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · VeraBank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $4.55B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $4.03B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $2.31B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $1.69B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.17B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $500.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $30.4M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 140,547 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 2,012 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,410 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $444.6M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $444.6M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $444.6M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $444.6M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · VeraBank, N.A. regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $2.88B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · VeraBank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $4.55B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $4.52B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.88B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $533.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $522.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $497.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $497.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $497.9M |
| Retained Earnings | RCOAKW00 | $295.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $236.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $35.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $35.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $35.5M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $33.7M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $31.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$13.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$9.6M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | $4.0M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $2.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.185 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1727 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1727 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1103 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.105 |
Schedule RC-R, Part II: Risk-Weighted Assets (73 items)
About Schedule RC-R, Part II · VeraBank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.88B |
| Total Risk-weighted Assets | RCONG641 | $2.88B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $2.21B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $2.21B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $2.07B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.81B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.81B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $978.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $967.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $953.0M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $953.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $948.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $898.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $856.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $826.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $560.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $560.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $489.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $444.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $289.5M |
| Total All Other Assets | RCOND981 | $261.3M |
| Total Held-to-maturity Securities | RCOND961 | $253.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $239.7M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $234.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $206.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $184.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $118.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $112.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $92.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $81.3M |
| Unconditionally Cancellable Commitments | RCONS540 | $76.3M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $67.5M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $51.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $49.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $47.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $47.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $45.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $44.3M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $33.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $29.8M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $23.0M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $23.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $21.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $21.1M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$17.2M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $13.9M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$13.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $10.2M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $9.3M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $8.2M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $8.0M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $8.0M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $8.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $6.9M |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | $5.0M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $3.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $2.5M |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $2.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $2.3M |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $2.3M |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCONS436 | $1.7M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $1.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $890K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $691K |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $689K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $445K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $445K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $160K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% | RCONS531 | $61K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $28K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $11K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $11K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $11K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $8.1M |
Schedule RC-T: Fiduciary and Related Services (35 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $1.52B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $750.5M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $443.4M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $209.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $187.2M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $187.2M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $141.0M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $141.0M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $134.2M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $66.6M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $54.9M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $22.0M |
| Income from Fiduciary Activities | RIAD4070 | $5.9M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $2.4M |
| Personal Trust and Agency Accounts | RIADB904 | $2.1M |
| Other Retirement Accounts | RIADB907 | $780K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $487K |
| Custody and Safekeeping Accounts | RIADB909 | $160K |
| Employee Benefit-defined Contribution | RIADB905 | $50K |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $18K |
| Other Fiduciary Accounts - Non-managed Assets | RCONB891 | $15K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 1,118 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 427 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 285 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 278 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 278 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 273 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 253 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 253 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 123 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 36 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 17 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 5 |
| Other Fiduciary Accounts - Number of Non-managed Accounts | RCONB893 | 2 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $522.1M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $506.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $506.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $18.5M |
| Other Comprehensive Income | RIADB511 | -$1.8M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · VeraBank, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.7M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $947K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $482K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $208K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $176K |
| Charge-offs on Automobile Loans | RIADK129 | $135K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $100K |
| Recoveries on Automobile Loans | RIADK133 | $18K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $14K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · VeraBank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $34.7M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $34.1M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.7M |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.80B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.11B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $936.7M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $389.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $286.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $75.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $34.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $14.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $8.7M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $7.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $2.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.7M |
Schedule RI-E: Explanations (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $4.9M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $3.0M |
| Telecommunications Expense | RIADF559 | $2.1M |
| Data Processing Expenses | RIADC017 | $1.4M |
| Consulting and Advisory Expense | RIADF557 | $1.2M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.1M |
VeraBank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the VeraBank, N.A. call report?
The VeraBank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does VeraBank, N.A. file?
VeraBank, N.A. files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the VeraBank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: VeraBank, N.A. has Federal Reserve RSSD ID 56351 and FDIC certificate number 3250. Either one finds its filings on the FFIEC Central Data Repository.
How often does VeraBank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
VeraBank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 3250) · FFIEC NIC profile (RSSD 56351)