BDI
VU

VersaBank USA National Association

Holdingford, MinnesotaFDIC Cert #10160

OCCEstablished 19101 branch

Holding company: GBH INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.61%
+400.0%y/y
Peer standing42nd percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.02%
−68.6%y/y
Peer standing82nd percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.02%
−68.6%y/y
Peer standing87th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.01%
−63.8%y/y
Peer standing88th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$108K
+66.2%y/y
Peer standing86th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.04%
−87.2%y/y
Peer standing28th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$23K
−50.0%y/y
Peer standing31st percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.04%
−92.5%y/y
Percentile by value0th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$2.88M
+2,545.9%y/y
Peer standing32nd percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$108K
+66.2%y/y
Peer standing81st percentile
Peer standing in asset:300m_1b
FDICNAASSET