Versabank USA, National Association
Holdingford, MN · Cert 10160 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · GBH Inc.
National charter · OCC · 2 branches
Q2 2026
$911.9MAssets
$577.4MLoans
$675.8MDeposits
$187.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 96% of banks under $1B in assets operating in a single state (rank 33 of 746).
- Widest gap: net interest margin trails 88% of banks under $1B in assets operating in a single state (rank 658 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.10%
Rank 353 of 746
Net Interest Margin
2.81%
Rank 658 of 746
Efficiency Ratio
41.99%
Rank 36 of 746
Equity / Assets
20.58%
Rank 33 of 746
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% | 353 / 746 | |
| Return on Equity | 5.35% | 6.74% | 10.51% | 13.63% | Beats 19% | 604 / 746 | |
| Net Interest Margin | 2.81% | 3.17% | 3.68% | 4.16% | Beats 12% | 658 / 746 | |
| Efficiency Ratio | 41.99% | 55.74% | 64.58% | 75.47% | Beats 95% | 36 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.09% | 0.42% | 1.07% | Beats 74% | 194 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 50% | 376 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 30.43% | 11.55% | 13.75% | 17.60% | Beats 95% | 38 / 746 | |
| Total Risk-Based Capital Ratio | 30.43% | 11.71% | 14.33% | 18.43% | Beats 95% | 41 / 746 | |
| Equity / Assets | 20.58% | 8.90% | 10.51% | 13.06% | Beats 96% | 33 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 85.44% | 61.31% | 78.27% | 90.78% | 65th pctl | 260 / 746 | |
| Loans / Assets | 63.32% | 53.60% | 66.97% | 76.08% | 42nd pctl | 436 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |