Verabank, National Association
Henderson, TX · Cert 3250 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Verabank Inc.
National charter · OCC · 42 branches
Q2 2026
$4.6BAssets
$2.8BLoans
$4.0BDeposits
$522.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 33 of 258).
- Widest gap: nonperforming loans / loans trails 78% of banks $1B-$10B in assets operating in a single state (rank 201 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.59%
Rank 58 of 258
Net Interest Margin
3.97%
Rank 53 of 258
Efficiency Ratio
57.87%
Rank 108 of 257
Equity / Assets
11.39%
Rank 83 of 258
Non-interest income vs. expense
Unfavorable gap of $84.9M · efficiency ratio beats 58% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.93% | 1.23% | 1.54% | Beats 78% | 58 / 258 | | |
| Return on Equity | 13.92% | 9.26% | 11.84% | 14.74% | Beats 68% | 83 / 258 | | |
| Net Interest Margin | 3.97% | 3.16% | 3.49% | 3.88% | Beats 79% | 53 / 258 | | |
| Efficiency Ratio | 57.87% | 51.71% | 60.30% | 69.65% | Beats 58% | 108 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.19% | 0.46% | 0.90% | Beats 22% | 201 / 258 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 29% | 185 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 17.27% | 11.41% | 12.98% | 15.12% | Beats 86% | 36 / 258 | | |
| Total Risk-Based Capital Ratio | 18.50% | 12.10% | 13.91% | 16.08% | Beats 87% | 33 / 258 | | |
| Equity / Assets | 11.39% | 9.09% | 10.24% | 11.72% | Beats 68% | 83 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.65% | 73.24% | 86.34% | 95.95% | 19th pctl | 210 / 258 | | |
| Loans / Assets | 61.15% | 63.01% | 72.27% | 78.40% | 21st pctl | 203 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |