C
VersaBank USA, National Association
Rating Date
March 2026
Risk Based
Capital Ratio
43.93
Leverage
Ratio
33.72
Return On
Assets
1.10%
Total
Assets
747.74M
Capital
182.66M
Total
Deposits
531.54M
Net
Income
3.28M
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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 1.30
Profitability Index 5.80
Stability Index 4.30
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 320.63%
5-Year Asset Growth 125.49%
5-Year Charge-Offs to Average Loans 0.51%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.05%
Non-Performing Loans to Loans 0.03%
Balance Sheet VersaBank USA, National Association
Holdingford, MN 		Click to
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Total Assets 747.74M
Total Deposits 531.54M
Capital and Reserves VersaBank USA, National Association
Holdingford, MN 		Click to
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Capital 182.66M
Leverage Ratio 33.72
Loan Loss Reserves to Loans 0.06%
Risk-Based Capital Ratio 43.93
Liquidity VersaBank USA, National Association
Holdingford, MN 		Click to
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Hot Money Ratio 2.86%
Liquidity Ratio 60.81%
Profitability VersaBank USA, National Association
Holdingford, MN 		Click to
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5-Year Return on Average Assets 1.43%
Net Income 3.28M
Net Interest Spread 4.00%
Operating Profit to Average Assets 1.54%
Overhead Efficiency Ratio 58.96%
Return on Assets 1.10%
Return on Equity 2.53%