VeraBank, National Association
Henderson, TX
IDRSSD: 56351
Total Assets
$4.44B
Latest filing
Total Deposits
$3.90B
Latest filing
Net Interest Margin
4.22%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
VeraBank, National Association
201 W Main St
Henderson, TX 75652
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/28/1930FDIC Certificate 2098
Branches (41)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| VeraBank, National Association (Main) | 201 W Main St | Henderson, TX |
| WASKOM BRANCH | 601 Spur 156 | Waskom, TX |
| WHITE OAK BRANCH | 1101 S White Oak Rd | White Oak, TX |
| HUNTSVILLE BRANCH | 1718 11th St | Huntsville, TX |
| SOUTH 79 BRANCH | 2320 Us Highway 79 S | Henderson, TX |
| CARTHAGE BRANCH | 1510 W Panola St | Carthage, TX |
| CORSICANA DOWNTOWN BRANCH | 100 N Main St | Corsicana, TX |
| MOUNT PLEASANT BRANCH | 302 N Jefferson Ave | Mount Pleasant, TX |
Showing 7 of 41
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 03/28/1930 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75652 |
| State and County Number | 48401 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Longview, TX |
Operational Info
| Number of Employees | 560 |
| Domestic Offices | 42 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.verabank.com |
| Data Updated | 01/30/2026 |
| CERT | 3250 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.44B |
| Total Deposits | $3.90B |
| Total Liabilities | $3.94B |
| Total Equity Capital | $506.05M |
| Net Income | $19.06M |
| Net Loans and Leases | $2.73B |
| Assets Per Employee ($Millions) | $8.08M |
| Bank Premises and Fixed Assets | $101.21M |
| Cash and Balances due from Depository Institutions | $834.58M |
| Deposits Held in Domestic Offices | $3.90B |
Key Performance Ratios
| Return on Assets (ROA) | 1.74% |
| Return on Equity (ROE) | 15.35% |
| Net Interest Margin | 4.22% |
| Efficiency Ratio | 53.9% |
| Tier 1 Risk-Based Capital Ratio | 17.049% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.386% |
| Earning Assets to total Assets | 92.8% |
Income and Expense
| Total Interest Income | $56.87M |
| Total Noninterest Income | $11.52M |
| Total Interest Expense | $13.90M |
| Total Noninterest Expense | $29.62M |
| Net Interest Income | $42.97M |
| Pre-tax Net Operating Income | $23.90M |
| Provision for Credit Losses | $975.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.18M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $37.11M |
| Total Liabilities and Capital | $4.44B |
Securities
| Securities | $618.95M |
| Available-for-sale debt securities | $358.39M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $260.55M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of VeraBank, National Association?
$4.44B as of the latest filing.
How much are VeraBank, National Association's total deposits?
$3.90B in total deposits.
Where is VeraBank, National Association located?
Henderson, TX.
What is the Net Interest Margin?
4.22%.
How many domestic offices does it operate?
42.
When was it established?
03/28/1930.
What is the Return on Assets (ROA)?
1.74%.
How much are total loans and leases?
$2.73B (latest filing).
What is the total interest income (latest filing)?
$56.87M.