C
VersaBank USA, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
103.42
Leverage
Ratio
67.21
Return On
Assets
0.77%
Total
Assets
297.62M
Capital
180.63M
Total
Deposits
102.47M
Net
Income
1.26M
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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 1.80
Profitability Index 5.00
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 84.16%
5-Year Asset Growth 14.53%
5-Year Charge-Offs to Average Loans 0.51%
Charge-Offs to Average Loans 0.29%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.03%
Non-Performing Loans to Loans 0.04%
Balance Sheet VersaBank USA, National Association
Holdingford, MN 		Click to
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Total Assets 297.62M
Total Deposits 102.47M
Capital and Reserves VersaBank USA, National Association
Holdingford, MN 		Click to
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Capital 180.63M
Leverage Ratio 67.21
Loan Loss Reserves to Loans 0.17%
Risk-Based Capital Ratio 103.42
Liquidity VersaBank USA, National Association
Holdingford, MN 		Click to
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Hot Money Ratio 14.58%
Liquidity Ratio 106.58%
Profitability VersaBank USA, National Association
Holdingford, MN 		Click to
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5-Year Return on Average Assets 1.43%
Net Income 1.26M
Net Interest Spread 4.41%
Operating Profit to Average Assets 1.09%
Overhead Efficiency Ratio 73.24%
Return on Assets 0.77%
Return on Equity 1.50%