VeraBank, N.A.: Loan Modifications and Restructuring
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Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
VeraBank, N.A. reported all 8 line items on this page on its Q3 2026 filing. Modified loans and leases was $0 in Q3 2026, against $0 in Q3 2025. That is 0.0% of its total assets. Across the 12 quarters shown it ranged from $0 (Q3 2026) to $434K (Q1 2025).
In Q3 2026, Net charge-off ratio edged up by 0.13 percentage points, from 0.07% to 0.20%, the largest move among the key lines here.
Modified loans
Nonperforming assets excluding restructured loans, to assets changed the most here, down 0.06 points to 0.57% in Q3 2026 from 0.63% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Modified loans and leases | $0 |
| Modified loans to total loans | 0.00% |
| Nonperforming assets excluding restructured loans, to assets | 0.57% |
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Read against the nonperforming book
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 0.93% |
| Nonaccrual loans to loans | 0.86% |
| Loans 90+ days past due to loans | 0.08% |
| Net charge-off ratio | 0.20% |
| Allowance for credit losses to loans | 1.25% |
Shown side by side so the modified share can be compared with recognized nonperforming loans and with what has already been charged off.
Loan Modifications and Restructuring trend
A modified share rising while the nonperforming share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Nonperforming loans | Net charge-offs |
|---|---|---|---|
| Q4 2023 | 0.00% | 0.44% | 0.08% |
| Q1 2024 | 0.00% | 0.34% | 0.07% |
| Q2 2024 | 0.00% | 0.29% | 0.06% |
| Q3 2024 | 0.00% | 0.30% | 0.07% |
| Q4 2024 | 0.00% | 0.44% | 0.09% |
| Q1 2025 | 0.02% | 0.34% | 0.08% |
| Q2 2025 | 0.00% | 0.60% | 0.06% |
| Q3 2025 | 0.00% | 0.85% | 0.99% |
| Q4 2025 | 0.00% | 0.84% | 0.08% |
| Q1 2026 | 0.00% | 0.87% | 0.14% |
| Q2 2026 | 0.00% | 0.96% | 0.07% |
| Q3 2026 | 0.00% | 0.93% | 0.20% |
VeraBank, N.A. loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)