VeraBank, N.A.: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, VeraBank, N.A. reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $4.29B in Q3 2026, up 12.5% from $3.82B in Q3 2025. That is 88.3% of its total assets. Across the 12 quarters shown it ranged from $3.62B (Q4 2023) to $4.29B (Q3 2026).
Loans and leases to core deposits dropped 5.83 percentage points in Q3 2026, from 73.63% to 67.81%. It was the largest change from Q2 2026 among the key lines here. Among 345 Texas banks, VeraBank, N.A. sits 21st from the top on total deposits, $4.29B as of Q3 2026. Against a median of $1.68B for banks in the $1B-10B asset tier, VeraBank, N.A. reported $4.29B on total deposits in Q3 2026, 155% higher.
Deposit totals
Largest change in this table: total deposits, up 6.7% to $4.29B in Q3 2026 after $4.02B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $4.29B |
| Domestic office deposits | $4.29B |
| Foreign office deposits | — |
| Deposits to total assets | 88.27% |
| Deposits to total liabilities | 99.07% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Demand deposits changed the most here, up 45.1% to $82.8M in Q3 2026 from $57.0M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $82.8M |
| Savings deposits | $1.46B |
| Transaction accounts to domestic deposits | 1.93% |
| Time deposits to total deposits | 14.73% |
| Time deposits under $100k | $175.5M |
| Time deposits $100k to $250k | $236.2M |
| Time deposits over $250k | $220.7M |
| Noninterest-bearing share of deposits | 28.65% |
Stability of funding
Core deposits changed the most here, up 7.0% to $4.07B in Q3 2026 from $3.81B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $4.07B |
| Core deposits to total deposits | 94.86% |
| Insured deposits | $3.05B |
| Uninsured deposits | $1.25B |
| Uninsured deposits to total deposits | 29.06% |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.98% |
| Interest expense on deposits | $14.6M |
| Loans and leases to core deposits | 67.81% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $3.62B | 95.93% | 26.32% | 0.00% | 2.22% |
| Q1 2024 | $3.65B | 95.62% | 26.19% | 0.00% | 2.38% |
| Q2 2024 | $3.64B | 95.35% | 25.53% | 0.00% | 2.44% |
| Q3 2024 | $3.78B | 94.83% | 26.37% | 0.00% | 2.58% |
| Q4 2024 | $3.82B | 95.22% | 27.34% | 0.00% | 2.47% |
| Q1 2025 | $3.86B | 95.47% | 27.66% | 0.00% | 2.21% |
| Q2 2025 | $3.80B | 95.20% | 26.99% | 0.00% | 2.14% |
| Q3 2025 | $3.82B | 94.86% | 27.54% | 0.00% | 2.12% |
| Q4 2025 | $3.90B | 94.95% | 28.87% | 0.00% | 2.03% |
| Q1 2026 | $3.98B | 94.83% | 28.92% | 0.00% | 1.86% |
| Q2 2026 | $4.02B | 94.58% | 29.04% | 0.00% | 1.84% |
| Q3 2026 | $4.29B | 94.86% | 29.06% | 0.00% | 1.98% |
VeraBank, N.A. deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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.
Regulator records: FDIC BankFind (cert 3250) · FFIEC NIC profile (RSSD 56351)