Versabank USA, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Versabank USA, N.A. of Holdingford, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.34% | 1.34% | +0.00% | 55th above |
| ROAE | 6.00% | 13.32% | -7.32% | 17th bottom |
| Net Interest Margin | 3.03% | 3.93% | -0.90% | 11th bottom |
| Efficiency Ratio | 40.89% | 61.16% | -20.27% | 95th top |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 62nd above |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 4.05% | 1.88% | +2.17% | 0th bottom |
| Net Interest Spread | 1.99% | 3.32% | -1.33% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 84th top |
| ACL / Total Loans | 0.00% | 1.28% | -1.28% | 0th bottom |
| Texas Ratio | 0.32% | 7.34% | -7.02% | 83rd top |
| Provision / NCO | -1671.43% | 1399.61% | -3071.04% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 30.43% | 19.49% | +10.94% | 93rd top |
| Tier 1 Ratio | 30.43% | 19.52% | +10.91% | 93rd top |
| Total Capital Ratio | 30.43% | 20.61% | +9.82% | 92nd top |
| Leverage Ratio | 22.46% | 12.13% | +10.33% | 97th top |
| Equity / Assets | 20.58% | 11.37% | +9.21% | 96th top |
| TCE / Tangible Assets | 20.58% | 11.08% | +9.50% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.44% | 80.63% | +4.81% | 39th below |
| Core Deposit Ratio | 0.00% | 86.94% | -86.94% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 332.97% | 6.57% | +326.40% | 100th top |
| Loan Growth (Y/Y) | 387.35% | 7.58% | +379.77% | 100th top |
| Deposit Growth (Y/Y) | 564.73% | 5.81% | +558.92% | 100th top |
See Versabank USA, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Versabank USA, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Versabank USA, N.A. profile, how to read a UBPR, or how this data updates.