$783M
+358.5%y/y
Peer standing83rd percentile
FDIC
ASSETVU
VersaBank USA National Association
Holdingford, MinnesotaFDIC Cert #10160
OCCEstablished 19101 branches
Holding company: GBH INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportVersaBank USA National Association reported $783M in total assets. Deposits grew 926.63% over the prior year.
Return on assets was 1.16%, compared with an asset-peer median of 1.22%. The leverage ratio was 24.51%.
- Why is deposit growth, year over year above asset peers?
- Why is net loan growth, year over year above asset peers?
- Why is tier 1 leverage ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$557M
+926.6%y/y
Peer standing71st percentile
FDIC
DEP$473M
+431.8%y/y
Peer standing75th percentile
FDIC
LNLSNET1.16%
+119 bpsy/y
Peer standing46th percentile
FDIC
NETINC + ROA43.27%
−5,317 bpsy/y
Peer standing92nd percentile
FDIC
NONIX + NIM + NONII + EEFFR24.51%
−3,139 bpsy/y
Peer standing98th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $102M | $81.9M |
| Q3 2021 | $100M | $78.8M |
| Q4 2021 | $98.4M | $76.6M |
| Q1 2022 | $94.8M | $72.6M |
| Q2 2022 | $89.6M | $66.7M |
| Q3 2022 | $79.8M | $56.4M |
| Q4 2022 | $77.5M | $53.8M |
| Q1 2023 | $77.8M | $53.7M |
| Q2 2023 | $78.7M | $54.4M |
| Q3 2023 | $77.7M | $53M |
| Q4 2023 | $78.5M | $53.5M |
| Q1 2024 | $79.3M | $54.1M |
| Q2 2024 | $79.1M | $53.9M |
| Q3 2024 | $162M | $63.5M |
| Q4 2024 | $178M | $65.4M |
| Q1 2025 | $171M | $54.3M |
| Q2 2025 | $211M | $102M |
| Q3 2025 | $298M | $102M |
| Q4 2025 | $748M | $532M |
| Q1 2026 | $783M | $557M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $42K |
| C&I | $472M |
| Agriculture | $255K |
| Other | $206K |
Peer comparison
How this bank compares
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA1.16%46th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE4.84%12th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY2.90%8th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.27%92nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+926.63%100th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+431.83%100th percentileToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.02%87th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ24.51%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.75%6th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT20%0th percentileToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 861%Median 2,418%90th 4,357%Observations 857
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA1.16%44th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.24%90th 2.01%Observations 228
ROE
FDIC
NETINC + ROE4.84%14th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.46%Median 12.43%90th 20.24%Observations 228
NIM
FDIC
NIM + NIMY2.90%6th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.05%Median 3.91%90th 4.74%Observations 228
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR43.27%95th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.05%Median 61.69%90th 81.66%Observations 228
Deposits YoY
FDIC
DEP+926.63%100th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.44%Median +3.43%90th +14.87%Observations 226
Loans YoY
FDIC
LNLSNET+431.83%100th percentileToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.13%Median +4.83%90th +18.37%Observations 226
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.02%82nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.54%Observations 226
Leverage
FDIC
RBC1AAJ24.51%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.48%Median 10.25%90th 14.29%Observations 228
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.75%4th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.26%90th 3.39%Observations 226
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT20%0th percentileToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 228%Median 1,541%90th 3,485%Observations 166
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
Branches & markets
Physical footprint
1 domestic branches reported in the latest Call Report.
FDIC
OFFDOM Credit quality
Asset quality trends
Five-year past-due, nonaccrual, and charge-off trends will provide a clear view of asset quality through changing credit cycles.
History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data