C
VersaBank USA, National Association
Rating Date
April 2025
Risk Based
Capital Ratio
162.87
Leverage
Ratio
59.88
Return On
Assets
0.37%
Total
Assets
177.77M
Capital
97.50M
Total
Deposits
65.44M
Net
Income
379.00K
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Weiss Ratings VersaBank USA, National Association
Holdingford, MN 		Click to
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Rating C
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 5.60
Profitability Index 1.90
Stability Index 8.10
Company Info VersaBank USA, National Association
Holdingford, MN 		Click to
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FDIC Number 10160
Phone Number (320) 746-2261
Website us.versabank.com
Asset Quality VersaBank USA, National Association
Holdingford, MN 		Click to
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1-Year Asset Growth 126.47%
5-Year Asset Growth 14.53%
5-Year Charge-Offs to Average Loans 0.57%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.14%
Non-Performing Loans to Loans 0.32%
Balance Sheet VersaBank USA, National Association
Holdingford, MN 		Click to
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Total Assets 177.77M
Total Deposits 65.44M
Capital and Reserves VersaBank USA, National Association
Holdingford, MN 		Click to
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Capital 97.50M
Leverage Ratio 59.88
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio 162.87
Liquidity VersaBank USA, National Association
Holdingford, MN 		Click to
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Hot Money Ratio 23.10%
Liquidity Ratio 142.43%
Profitability VersaBank USA, National Association
Holdingford, MN 		Click to
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5-Year Return on Average Assets 1.60%
Net Income 379.00K
Net Interest Spread 2.04%
Operating Profit to Average Assets 0.52%
Overhead Efficiency Ratio 86.09%
Return on Assets 0.37%
Return on Equity 0.74%