VeraBank, N.A.: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
VeraBank, N.A. reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 17.92% in Q3 2026, up 1.55 percentage points from 16.37% in Q3 2025. Across the 12 quarters shown it ranged from 14.06% (Q4 2023) to 17.92% (Q3 2026).
Retained earnings rose 6.2% from Q2 2026 to Q3 2026, ending at $313.5M against $295.2M. It was the largest change among the key lines on this page. Within Texas, VeraBank, N.A. is 82nd of 183 on CET1 ratio, 17.92% as of Q3 2026. The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio. VeraBank, N.A. sits 4.32 points higher, at 17.92% (Q3 2026).
Risk-based capital ratios
Largest change in this table: common equity Tier 1 ratio, up 0.65 points to 17.92% in Q3 2026 after 17.27% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.92% |
| Tier 1 risk-based capital ratio | 17.92% |
| Total risk-based capital ratio | 19.14% |
| Tier 1 leverage ratio | 11.04% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Common equity Tier 1 capital changed the most here, up 3.7% to $516.4M in Q3 2026 from $497.9M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $516.4M |
| Tier 1 capital | $516.4M |
| Total risk-based capital | $551.6M |
| Total equity capital | $530.3M |
| Risk-weighted assets | $2.88B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to total assets moved most in this table, down 0.49 points: 11.39% in Q2 2026, 10.90% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 10.90% |
| Tangible equity to tangible assets | 10.29% |
| Equity capital to average assets | 11.26% |
| Internal capital growth rate | 13.96% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $5.4M |
| Common stock surplus | $231.0M |
| Retained earnings | $313.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.6M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 14.06% | 14.06% | 15.28% | 9.83% | $2.80B |
| Q1 2024 | 14.44% | 14.44% | 15.68% | 10.07% | $2.80B |
| Q2 2024 | 14.65% | 14.65% | 15.90% | 10.15% | $2.82B |
| Q3 2024 | 14.20% | 14.20% | 15.45% | 9.66% | $2.81B |
| Q4 2024 | 14.81% | 14.81% | 16.06% | 9.75% | $2.81B |
| Q1 2025 | 15.13% | 15.13% | 16.38% | 10.06% | $2.85B |
| Q2 2025 | 15.74% | 15.74% | 16.99% | 10.48% | $2.85B |
| Q3 2025 | 16.37% | 16.37% | 17.59% | 10.78% | $2.82B |
| Q4 2025 | 17.05% | 17.05% | 18.29% | 10.91% | $2.81B |
| Q1 2026 | 17.28% | 17.28% | 18.50% | 11.11% | $2.87B |
| Q2 2026 | 17.27% | 17.27% | 18.50% | 11.03% | $2.88B |
| Q3 2026 | 17.92% | 17.92% | 19.14% | 11.04% | $2.88B |
VeraBank, N.A. capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full VeraBank, N.A. profile or its peer group comparison.
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