VeraBank, N.A.: Off-Balance-Sheet Exposure
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Data as of · Call Report Schedules RC-L and RC-R How we update
On its Q3 2026 filing, VeraBank, N.A. reported 8 of the 9 line items on this page. It did not report derivatives notional to total assets. Unused home equity and credit card lines was $11.3M in Q3 2026, down 14.7% from $13.2M in Q3 2025. That is 0.2% of its total assets. Across the 12 quarters shown it ranged from $9.2M (Q4 2023) to $13.8M (Q1 2025).
The standout move of Q3 2026 was in Letters of credit: 12.1% lower than in Q2 2026, at $7.0M.
Commitments
| Line item | Q3 2026 |
|---|---|
| Unused home equity and credit card lines | $11.3M |
| Letters of credit | $7.0M |
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Derivatives
| Line item | Q3 2026 |
|---|---|
| Total derivatives, notional | $0 |
| Interest rate swaps, notional | $0 |
| Foreign exchange derivatives, notional | $0 |
| Derivatives notional to total assets | — |
Notional value is the reference amount a contract is calculated on. It measures activity, not exposure: credit exposure is a small fraction of notional.
Trading positions
| Line item | Q3 2026 |
|---|---|
| Trading account assets | $0 |
| Trading liabilities | $0 |
| Trading assets to total assets | 0.00% |
Off-Balance-Sheet Exposure trend
Off-Balance-Sheet Exposure by quarter
| Quarter | Unused home equity and card lines | Letters of credit |
|---|---|---|
| Q4 2023 | $9.2M | $5.8M |
| Q1 2024 | $10.0M | $6.2M |
| Q2 2024 | $11.0M | $6.1M |
| Q3 2024 | $11.2M | $7.2M |
| Q4 2024 | $11.3M | $8.2M |
| Q1 2025 | $13.8M | $7.2M |
| Q2 2025 | $13.1M | $7.4M |
| Q3 2025 | $13.2M | $11.9M |
| Q4 2025 | $13.2M | $12.6M |
| Q1 2026 | $12.5M | $8.1M |
| Q2 2026 | $12.2M | $8.0M |
| Q3 2026 | $11.3M | $7.0M |
VeraBank, N.A. off-balance-sheet exposure, quarter by quarter
Off-Balance-Sheet Exposure since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-L and 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.
Regulator records: FDIC BankFind (cert 3250) · FFIEC NIC profile (RSSD 56351)