$101M
+18.2%y/y
Percentile by value2nd percentileby value
FDIC
LNLSGRVB
Varo Bank, National Association
Draper, UtahFDIC Cert #59190
OCCEstablished 20201 branch
Holding company: VARO MONEY INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $0 |
| C&I | $0 |
| Agriculture | $0 |
| Other | $101M |
Loan book
Reported balances and balance-sheet intensity.
$91.1M
+13.5%y/y
Percentile by value1st percentileby value
FDIC
LNLSNET+13.53%
−59.4%y/y
Percentile by value83rd percentileby value
FDIC
LNLSNET41.4%
+10.7%y/y
Percentile by value3rd percentileby value
FDIC
LNLSNET + DEP24.3%
+7.8%y/y
Percentile by value2nd percentileby value
FDIC
LNLSNET + ASSET0.00%
Percentile by value0th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCDashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,801points
−34.6%y/y
Peer standing76th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD0.00%
Percentile by value0th percentileby value
FDIC
LNRENROW + LNLSGR0.00%
Percentile by value0th percentileby value
FDIC
LNRENROT + LNLSGR0.00%
Percentile by value0th percentileby value
FDIC
LNCI + LNLSGR