1.16%
+3,715.4%y/y
Peer standing46th percentile
FDIC
NETINC + ROAVU
VersaBank USA National Association
Holdingford, MinnesotaFDIC Cert #10160
OCCEstablished 19101 branch
Holding company: GBH INCRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
4.84%
+8,579.2%y/y
Peer standing12th percentile
FDIC
NETINC + ROE1.63%
+3,652.0%y/y
Peer standing62nd percentile
FDIC
PTAXNETINC + ASSET2.90%
−30.8%y/y
Peer standing8th percentile
FDIC
NIM + NIMY5.68%
+5.3%y/y
Peer standing54th percentile
FDIC
INTINCY3.75%
+2.7%y/y
Peer standing6th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
43.27%
−55.1%y/y
Peer standing92nd percentile
FDIC
NONIX + NIM + NONII + EEFFR1.23%
−64.7%y/y
Peer standing99th percentile
FDIC
NONIX + ASSET0.18%
+128.9%y/y
Percentile by value1st percentileby value
FDIC
NONII + NIM+358.52%
+210.9%y/y
Percentile by value100th percentileby value
FDIC
ASSET+926.63%
+215,824.6%y/y
Percentile by value100th percentileby value
FDIC
DEP+431.83%
+862.7%y/y
Percentile by value100th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
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 percentileby valueToggle 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 percentileby valueToggle 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
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
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
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle 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
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
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 percentileby valueToggle 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 percentileby valueToggle 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
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
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
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle 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
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.