Versabank USA, N.A.
Capital moved notably last quarter — CET1 ratio of 35.90% was down 797bps from the prior quarter. Operating from Holdingford, MN, Versabank Usa, N.A. serves its local market as an FDIC-insured commercial bank. Total assets stand at $783M. Earnings are mid-range — 1.18% ROA and a 2.94% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 35.90% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.02% NPLs and a 0.06% Texas Ratio. The bank operates from a single office.
Headquarters Profile
- Address
- 580 Main St, HOLDINGFORD, MN 56340
- County
- Stearns
- Metro Area
- ST. CLOUD, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 11
- Established
- October 10, 1910
- Branches
- 1 domestic
- Employees (FTE)
- 18
- FDIC Cert
- 10160
- Fed RSSD
- 1011656
- Website
- www.versabankusa.com →
- Parent Holding Company
- VERSAHOLDINGS US CORP (RSSD 5808751)
Capital & Liquidity
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Versabank USA, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- FailureFailure / assisted resolutionFDIC FAILURES
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
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Frequently asked about Versabank USA, N.A.
What are Versabank USA, N.A.'s total assets?
As of the Q1 2026 filing, Versabank USA, N.A. reported total assets of $782.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Versabank USA, N.A. headquartered?
Versabank USA, N.A. is headquartered in HOLDINGFORD, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Versabank USA, N.A. founded?
Versabank USA, N.A. was established in 1910, per the FDIC institution directory.
Is Versabank USA, N.A. FDIC-insured?
Yes. Versabank USA, N.A. is an FDIC-insured commercial bank (FDIC Certificate #10160). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Versabank USA, N.A.?
Versabank USA, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Versabank USA, N.A.'s CET1 capital ratio?
Versabank USA, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 35.90% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Versabank USA, N.A. operate?
Versabank USA, N.A. operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Versabank USA, N.A.'s Texas Ratio?
Versabank USA, N.A.'s Texas Ratio is 0.06% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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