Versabank USA, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 47.5% higher than in Q1 2026, at $8.7M. On CET1 ratio, Versabank USA, N.A. ranks 7th highest among the 161 banks headquartered in Minnesota, at 30.43% (Q2 2026). Versabank USA, N.A.'s CET1 ratio of 30.43% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 15.36 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 30.43% |
| Tier 1 risk-based capital ratio | 30.43% |
| Total risk-based capital ratio | 30.43% |
| Tier 1 leverage ratio | 22.46% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $187.7M |
| Tier 1 capital | $187.7M |
| Total risk-based capital | $187.7M |
| Total equity capital | $187.7M |
| Risk-weighted assets | $616.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 20.58% |
| Tangible equity to tangible assets | 20.58% |
| Equity capital to average assets | 22.46% |
| Internal capital growth rate | 6.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $75K |
| Common stock surplus | $178.9M |
| Retained earnings | $8.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 34.35% | 34.35% | 35.61% | 28.83% | $65.3M |
| Q4 2023 | 35.21% | 35.21% | 36.47% | 29.26% | $64.8M |
| Q1 2024 | 34.71% | 34.71% | 35.97% | 29.20% | $66.0M |
| Q2 2024 | 34.69% | 34.69% | 35.95% | 29.29% | $66.8M |
| Q3 2024 | 174.87% | 174.87% | 176.12% | 108.19% | $55.7M |
| Q4 2024 | 162.14% | 162.14% | 162.87% | 59.88% | $60.1M |
| Q1 2025 | 94.40% | 94.40% | 94.85% | 55.90% | $104.6M |
| Q2 2025 | 81.09% | 81.09% | 81.38% | 47.93% | $122.1M |
| Q3 2025 | 103.27% | 103.27% | 103.42% | 67.21% | $174.9M |
| Q4 2025 | 43.87% | 43.87% | 43.93% | 33.72% | $416.3M |
| Q1 2026 | 35.90% | 35.90% | 35.94% | 24.51% | $515.0M |
| Q2 2026 | 30.43% | 30.43% | 30.43% | 22.46% | $616.6M |
Versabank USA, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Versabank USA, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Versabank USA, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10160) · FFIEC NIC profile (RSSD 1011656)