VeraBank, N.A.: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
VeraBank, N.A. reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $2.76B in Q3 2026, down 0.3% from $2.77B in Q3 2025. That is 56.8% of its total assets. Across the 12 quarters shown it ranged from $2.76B (Q4 2023) to $2.86B (Q1 2025).
The standout move of Q3 2026 was in Loans held for sale: 71.6% lower than in Q2 2026, at $485K. VeraBank, N.A. ranks 225th of 345 Texas banks on loan-to-deposit ratio, in the lower half at 64.32% (Q3 2026). VeraBank, N.A. reported 64.32% on loan-to-deposit ratio for Q3 2026, 23.81 points below the 88.13% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $2.76B |
| Net loans and leases | $2.73B |
| Loans held for sale | $485K |
| Loans to total assets | 56.78% |
| Loan-to-deposit ratio | 64.32% |
| Net loans to equity capital | 5.14× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Multifamily (5+ residential) moved most in this table, down 0.65 points: 3.14% in Q2 2026, 2.49% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.35% |
| Multifamily (5+ residential) | 2.49% |
| Commercial and industrial | 12.25% |
| Consumer | 2.64% |
| Credit cards | 0.00% |
| Farm | 1.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
CRE concentration (Tier 1 capital + allowance) moved most in this table, down 6.46 points: 166.82% in Q2 2026, 160.36% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 160.36% |
| Construction concentration (Tier 1 capital + allowance) | 53.86% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Largest change in this table: yield on loans, up 0.10 points to 6.66% in Q3 2026 after 6.56% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.66% |
| Interest income on loans | $46.1M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $2.76B | $3.62B | 31.78% | 12.69% | 4.12% |
| Q1 2024 | $2.78B | $3.65B | 31.87% | 12.72% | 3.99% |
| Q2 2024 | $2.82B | $3.64B | 31.94% | 13.53% | 3.88% |
| Q3 2024 | $2.84B | $3.78B | 32.48% | 13.42% | 3.78% |
| Q4 2024 | $2.83B | $3.82B | 32.45% | 13.00% | 3.68% |
| Q1 2025 | $2.86B | $3.86B | 33.23% | 12.72% | 3.47% |
| Q2 2025 | $2.84B | $3.80B | 34.13% | 12.51% | 3.37% |
| Q3 2025 | $2.77B | $3.82B | 34.46% | 12.51% | 3.38% |
| Q4 2025 | $2.77B | $3.90B | 35.06% | 12.17% | 3.15% |
| Q1 2026 | $2.80B | $3.98B | 35.65% | 12.04% | 2.88% |
| Q2 2026 | $2.80B | $4.02B | 34.73% | 12.60% | 2.71% |
| Q3 2026 | $2.76B | $4.29B | 35.35% | 12.25% | 2.64% |
VeraBank, N.A. loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)