Henderson, TX · Cert 3250 · Verabank Inc.
National charter · OCC · 42 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 15.1% share · #2 of 25 inst. · $1.2B of $8.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.42% | 1.42% | 1.55% | 1.43% | 1.50% | 1.57% | 1.61% | +6 bps | |
| Return on Equity | 12.55% | 13.74% | 13.70% | 14.71% | 13.36% | 13.88% | 13.72% | 14.09% | -62 bps | |
| Net Interest Margin | 3.50% | 3.52% | 3.73% | 3.81% | 3.87% | 3.80% | 3.94% | 3.97% | +16 bps | |
| Efficiency Ratio | 60.11% | 58.10% | 59.01% | 57.53% | 58.19% | 57.07% | 57.99% | 57.43% | -10 bps | |
| Non-Interest Burden | 1.74% | 1.67% | 1.85% | 1.78% | 1.86% | 1.76% | 1.87% | 1.87% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.11% | 5.55% | 5.66% | 4.62% | 2.26% | 3.43% | 4.13% | 6.39% | +178 bps | |
| Loan Growth (YoY) | 6.70% | 2.51% | 3.00% | 0.95% | -2.29% | -2.12% | -2.09% | -1.49% | -244 bps | |
| Deposit Growth (YoY) | 4.80% | 5.47% | 5.62% | 4.39% | 1.03% | 2.19% | 2.98% | 5.80% | +141 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.44% | 0.34% | 0.60% | 0.85% | 0.84% | 0.87% | 0.96% | +36 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.07% | 0.08% | 0.07% | 0.38% | 0.31% | 0.13% | 0.10% | +4 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.24% | 1.25% | 1.22% | 1.23% | 1.22% | 1.24% | -1 bps | |
| Allowance Coverage of NPLs | 4.2x | 2.8x | 3.6x | 2.1x | 1.4x | 1.5x | 1.4x | 1.3x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.66% | 9.75% | 10.06% | 10.48% | 10.78% | 10.91% | 11.11% | 11.03% | +55 bps | |
| Total Risk-Based Capital | 15.45% | 16.06% | 16.38% | 16.99% | 17.59% | 18.29% | 18.50% | 18.50% | +151 bps | |
| Equity / Assets | 10.12% | 10.23% | 10.46% | 10.90% | 11.21% | 11.39% | 11.47% | 11.39% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.07% | 74.00% | 74.16% | 74.80% | 72.60% | 70.88% | 70.50% | 69.65% | -515 bps | |
| Liquid Assets / Assets | 18.07% | 18.10% | 18.16% | 17.90% | 20.73% | 23.29% | 23.28% | 22.98% | +507 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 283% | 277% | 278% | n/a | n/a | |