Versabank USA, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans to total assets: 2.93 percentage points higher than in Q1 2026, at 63.32%. Within Minnesota, Versabank USA, N.A. is 88th of 221 on loan-to-deposit ratio, 85.44% as of Q2 2026, above the middle of the field. Versabank USA, N.A. reported 85.44% on loan-to-deposit ratio for Q2 2026, 4.60 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $577.4M |
| Net loans and leases | $577.4M |
| Loans held for sale | $0 |
| Loans to total assets | 63.32% |
| Loan-to-deposit ratio | 85.44% |
| Net loans to equity capital | 3.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 100.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $9.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $62.2M | $53.0M | 0.09% | 96.48% | 0.40% |
| Q4 2023 | $61.2M | $53.5M | 0.09% | 96.59% | 0.42% |
| Q1 2024 | $62.5M | $54.1M | 0.07% | 96.76% | 0.37% |
| Q2 2024 | $63.5M | $53.9M | 0.07% | 96.65% | 0.32% |
| Q3 2024 | $54.1M | $63.5M | 0.08% | 98.77% | 0.33% |
| Q4 2024 | $44.7M | $65.4M | 0.10% | 98.44% | 0.41% |
| Q1 2025 | $89.3M | $54.3M | 0.00% | 99.30% | 0.18% |
| Q2 2025 | $118.5M | $101.7M | 0.00% | 99.50% | 0.11% |
| Q3 2025 | $163.0M | $102.5M | 0.00% | 99.70% | 0.07% |
| Q4 2025 | $387.8M | $531.5M | 0.00% | 99.86% | 0.04% |
| Q1 2026 | $472.8M | $557.4M | 0.00% | 99.89% | 0.04% |
| Q2 2026 | $577.4M | $675.8M | 0.00% | 100.00% | 0.00% |
Versabank USA, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Versabank USA, N.A., freeSource: Call Report Schedule RC-C, 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)