Bank Safety Analysis
Is VeraBank, N.A. Safe? Henderson, Texas
Based on its Q3 2026 call report, VeraBank, N.A. meets every capital ratio test for well capitalized, its Texas ratio is 5.22%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is VeraBank, N.A. safe?
On its Q3 2026 call report, VeraBank, N.A.'s CET1 ratio is 17.92%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 17.92%
- Tier 1 leverage ratio (Q3 2026): 11.04%
- Texas ratio (Q3 2026): 5.22%
- Noncurrent loans ratio (Q3 2026): 0.93%
VeraBank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3250). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report VeraBank, N.A. (FDIC Certificate #3250) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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VeraBank, N.A. passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Compared with Q2 2026, CET1 ratio rose 0.65 percentage points in Q3 2026 to 17.92%, the biggest move on this page. VeraBank, N.A. ranks 82nd of 183 Texas banks on CET1 ratio, in the upper half at 17.92% (Q3 2026). VeraBank, N.A. reported 17.92% on CET1 ratio for Q3 2026, 4.32 points above the 13.60% median for banks in the $1B-10B asset tier.
From Q4 2023 to Q3 2026, VeraBank, N.A.'s CET1 ratio ranged between 14.06% (Q4 2023) and 17.92% (Q3 2026) and its Texas ratio ranged between 1.91% (Q2 2024) and 5.54% (Q2 2026). Between Q3 2025 and Q3 2026, VeraBank, N.A.'s CET1 ratio rose from 16.37% to 17.92%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.85% to 0.93%, Texas ratio rose from 5.07% to 5.22% and return on assets rose from 1.20% to 1.63%.
By total assets at Q3 2026, VeraBank, N.A. is the 21st largest of the 345 banks headquartered in Texas. 1-4 family residential loans are its largest loan category, $930.9M of $2.76B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, VeraBank, N.A.'s CET1 ratio of 17.92% is above the 13.60% median, Tier 1 leverage ratio of 11.04% is above the 10.54% median, nonperforming loans ratio of 0.93% is above the 0.54% median, Texas ratio of 5.22% is above the 3.95% median, and efficiency ratio of 57.41% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
VeraBank, N.A.'s 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does VeraBank, N.A. score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does VeraBank, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 17.92% | Within range |
| Texas ratio BankRegReports band | 5.22% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.93% | Within range |
| Uninsured deposit share BankRegReports band | 29.06% | Within range |
| Loan-to-deposit ratio BankRegReports band | 64.32% | Within range |
| Commercial real estate to capital supervisory threshold | 160.36% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 5.74% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 17.92% |
| Q2 2026 | 17.27% |
| Q1 2026 | 17.28% |
| Q4 2025 | 17.05% |
| Q3 2025 | 16.37% |
| Q2 2025 | 15.74% |
| Q1 2025 | 15.13% |
| Q4 2024 | 14.81% |
| Q3 2024 | 14.20% |
| Q2 2024 | 14.65% |
| Q1 2024 | 14.44% |
| Q4 2023 | 14.06% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.22% |
| Q2 2026 | 5.54% |
| Q1 2026 | 4.97% |
| Q4 2025 | 4.78% |
| Q3 2025 | 5.07% |
| Q2 2025 | 3.92% |
| Q1 2025 | 2.23% |
| Q4 2024 | 2.83% |
| Q3 2024 | 1.99% |
| Q2 2024 | 1.91% |
| Q1 2024 | 2.24% |
| Q4 2023 | 3.30% |
Loans by type, Q3 2026
- 1-4 family residential loans: $930.9M
- Non-owner-occupied commercial real estate loans: $515.9M
- Owner-occupied commercial real estate loans: $460.3M
- Commercial and industrial loans: $338.4M
- Construction and land development loans: $296.7M
- Multifamily loans: $68.7M
- Other consumer loans: $37.0M
- Auto loans: $34.3M
How have VeraBank, N.A.'s safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $4.86B | 17.92% | 11.04% | 0.93% | 5.22% | 57.41% |
| Jun 30, 2026 | $4.58B | 17.27% | 11.03% | 0.96% | 5.54% | 56.36% |
| Mar 31, 2026 | $4.53B | 17.28% | 11.11% | 0.87% | 4.97% | 57.42% |
| Dec 31, 2025 | $4.44B | 17.05% | 10.91% | 0.84% | 4.78% | 53.35% |
| Sep 30, 2025 | $4.34B | 16.37% | 10.78% | 0.85% | 5.07% | 58.83% |
| Jun 30, 2025 | $4.31B | 15.74% | 10.48% | 0.60% | 3.92% | 55.56% |
| Mar 31, 2025 | $4.35B | 15.13% | 10.06% | 0.34% | 2.23% | 58.34% |
| Dec 31, 2024 | $4.30B | 14.81% | 9.75% | 0.44% | 2.83% | 52.19% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is VeraBank, N.A. FDIC insured?
Yes. VeraBank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3250). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is VeraBank, N.A. well capitalized?
On its Q3 2026 call report, VeraBank, N.A.'s CET1 ratio is 17.92%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are VeraBank, N.A.'s key safety ratios?
For Q3 2026, VeraBank, N.A. reports CET1 17.92%, leverage 11.04%, Texas ratio 5.22%, noncurrent loans 0.93%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if VeraBank, N.A. fails?
For Q3 2026, VeraBank, N.A. reported $4.29B in total deposits, 29.06% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full VeraBank, N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio VeraBank, N.A. is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 3250) · FFIEC NIC profile (RSSD 56351)
Explore: Full VeraBank, N.A. profile · Other banks in TX · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.