C
VersaBank USA, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
81.38
Leverage
Ratio
47.93
Return On
Assets
0.29%
Total
Assets
210.62M
Capital
99.04M
Total
Deposits
101.67M
Net
Income
276.00K
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Weiss Ratings VersaBank USA, National Association
Holdingford, MN 		Click to
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Rating C
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 1.60
Profitability Index 1.80
Stability Index 7.20
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 166.14%
5-Year Asset Growth 14.53%
5-Year Charge-Offs to Average Loans 0.51%
Charge-Offs to Average Loans 0.37%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.12%
Non-Performing Loans to Loans 0.09%
Balance Sheet VersaBank USA, National Association
Holdingford, MN 		Click to
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Total Assets 210.62M
Total Deposits 101.67M
Capital and Reserves VersaBank USA, National Association
Holdingford, MN 		Click to
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Capital 99.04M
Leverage Ratio 47.93
Loan Loss Reserves to Loans 0.31%
Risk-Based Capital Ratio 81.38
Liquidity VersaBank USA, National Association
Holdingford, MN 		Click to
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Hot Money Ratio 14.82%
Liquidity Ratio 74.11%
Profitability VersaBank USA, National Association
Holdingford, MN 		Click to
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5-Year Return on Average Assets 1.43%
Net Income 276.00K
Net Interest Spread 4.00%
Operating Profit to Average Assets 0.40%
Overhead Efficiency Ratio 87.13%
Return on Assets 0.29%
Return on Equity 0.56%