VeraBank, N.A.: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
VeraBank, N.A. reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 17.92% in Q3 2026, up 1.55 percentage points from 16.37% in Q3 2025. Across the 12 quarters shown it ranged from 14.06% (Q4 2023) to 17.92% (Q3 2026).
Loan-to-deposit ratio dropped 5.32 percentage points in Q3 2026, from 69.65% to 64.32%. It was the largest change from Q2 2026 among the key lines here. Within Texas, VeraBank, N.A. is 148th of 345 on return on assets, 1.63% as of Q3 2026. The median for banks in the $1B-10B asset tier is 1.30% on return on assets. VeraBank, N.A. sits 0.33 points higher, at 1.63% (Q3 2026).
Capital adequacy
Equity capital to assets changed the most here, down 0.49 points to 10.90% in Q3 2026 from 11.39% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 17.92% |
| Tier 1 risk-based capital ratio | 17.92% |
| Total risk-based capital ratio | 19.14% |
| Tier 1 leverage ratio | 11.04% |
| Equity capital to assets | 10.90% |
| Tangible equity to tangible assets | 10.29% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Largest change in this table: reserve coverage of nonperforming loans, up 3.74 points to 133.39% in Q3 2026 after 129.65% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.93% |
| Nonperforming assets ratio | 0.57% |
| Net charge-off ratio | 0.20% |
| Texas ratio | 5.22% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of nonperforming loans | 133.39% |
Earnings
Net interest margin changed the most here, down 0.10 points to 4.23% in Q3 2026 from 4.33% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 14.58% |
| Net interest margin | 4.23% |
| Efficiency ratio | 57.41% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.12% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 64.32% |
| Core deposits to total deposits | 94.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.27% |
| Securities to assets | 14.35% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 14.06% | 14.06% | 15.28% | 9.83% | 1.34% |
| Q1 2024 | 14.44% | 14.44% | 15.68% | 10.07% | 1.23% |
| Q2 2024 | 14.65% | 14.65% | 15.90% | 10.15% | 1.41% |
| Q3 2024 | 14.20% | 14.20% | 15.45% | 9.66% | 1.30% |
| Q4 2024 | 14.81% | 14.81% | 16.06% | 9.75% | 1.75% |
| Q1 2025 | 15.13% | 15.13% | 16.38% | 10.06% | 1.42% |
| Q2 2025 | 15.74% | 15.74% | 16.99% | 10.48% | 1.68% |
| Q3 2025 | 16.37% | 16.37% | 17.59% | 10.78% | 1.20% |
| Q4 2025 | 17.05% | 17.05% | 18.29% | 10.91% | 1.72% |
| Q1 2026 | 17.28% | 17.28% | 18.50% | 11.11% | 1.57% |
| Q2 2026 | 17.27% | 17.27% | 18.50% | 11.03% | 1.65% |
| Q3 2026 | 17.92% | 17.92% | 19.14% | 11.04% | 1.63% |
VeraBank, N.A. vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)