VeraBank, N.A.: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks VeraBank, N.A. of Henderson, TX against its peer group of 896 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $1B to $10B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.63% | 1.32% | +0.31% | 71st better half |
| ROAE | 14.58% | 12.84% | +1.74% | 63rd better half |
| Net Interest Margin | 4.23% | 3.80% | +0.43% | 78th best quarter |
| Efficiency Ratio | 57.41% | 57.50% | -0.09% | 50th better half |
| PPNR / Avg Assets | 2.04% | 1.78% | +0.26% | 66th better half |
| Yield on Earning Assets | 5.54% | 5.62% | -0.08% | 44th |
| Cost of Funds | 1.12% | 2.05% | -0.93% | 7th best quarter |
| Net Interest Spread | 3.56% | 3.16% | +0.40% | 76th best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.93% | 0.54% | +0.39% | 70th worse half |
| NPA / Total Assets | 0.57% | 0.43% | +0.14% | 60th worse half |
| NCO / Avg Loans | 0.20% | 0.03% | +0.17% | 78th worst quarter |
| ACL / Total Loans | 1.25% | 1.14% | +0.11% | 63rd |
| ACL / NPLs (Coverage) | 133.39% | 206.61% | -73.22% | 34th worse half |
| Texas Ratio | 5.22% | 3.89% | +1.33% | 61st worse half |
| Provision / NCO | 75.81% | 144.93% | -69.12% | 30th |
| CRE / Total Capital | 160.36% | 224.99% | -64.63% | 26th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 17.92% | 13.63% | +4.29% | 85th best quarter |
| Tier 1 Ratio | 17.92% | 13.64% | +4.28% | 84th best quarter |
| Total Capital Ratio | 19.14% | 14.75% | +4.39% | 85th best quarter |
| Leverage Ratio | 11.04% | 10.57% | +0.47% | 59th better half |
| Equity / Assets | 10.90% | 10.20% | +0.70% | 62nd better half |
| TCE / Tangible Assets | 10.29% | 9.58% | +0.71% | 63rd better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 64.32% | 88.09% | -23.77% | 9th |
| Core Deposit Ratio | 94.86% | 89.11% | +5.75% | 84th best quarter |
| Uninsured Deposit Ratio | 29.06% | 31.09% | -2.03% | 43rd better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.05% | 4.80% | +7.25% | 81st |
| Loan Growth (Y/Y) | -0.35% | 6.01% | -6.36% | 14th |
| Deposit Growth (Y/Y) | 12.48% | 4.64% | +7.84% | 82nd |
See VeraBank, N.A.'s peers by name
The 896 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full VeraBank, N.A. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the VeraBank, N.A. peer analysis.