Versabank USA, National Association
Holdingford, MN · Cert 10160 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · GBH Inc.
National charter · OCC · 2 branches
Q2 2026
$911.9MAssets
$577.4MLoans
$675.8MDeposits
$187.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets operating in a single state (rank 41 of 755).
- Widest gap: net interest margin trails 88% of banks under $1B in assets operating in a single state (rank 662 of 755).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.10%
Rank 355 of 755
Net Interest Margin
2.81%
Rank 662 of 755
Efficiency Ratio
41.99%
Rank 41 of 755
Equity / Assets
20.58%
Rank 35 of 755
Non-interest income vs. expense
Unfavorable gap of $9.8M · efficiency ratio beats 95% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.72% | 1.06% | 1.45% | Beats 53% | 355 / 755 | |
| Return on Equity | 5.35% | 6.66% | 10.44% | 13.61% | Beats 19% | 611 / 755 | |
| Net Interest Margin | 2.81% | 3.15% | 3.68% | 4.17% | Beats 12% | 662 / 755 | |
| Efficiency Ratio | 41.99% | 55.75% | 64.78% | 75.61% | Beats 95% | 41 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.42% | 1.05% | Beats 74% | 197 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 51% | 371 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 30.43% | 11.56% | 13.81% | 17.74% | Beats 94% | 43 / 755 | |
| Total Risk-Based Capital Ratio | 30.43% | 11.72% | 14.46% | 18.53% | Beats 94% | 49 / 755 | |
| Equity / Assets | 20.58% | 8.93% | 10.56% | 13.13% | Beats 95% | 35 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 85.44% | 62.43% | 78.62% | 91.00% | 64th pctl | 269 / 755 | |
| Loans / Assets | 63.32% | 54.70% | 67.27% | 76.55% | 41st pctl | 445 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |