VersaBank USA National Association
Holdingford, MN
IDRSSD: 1011656
Total Assets
$747.74M
Latest filing
Total Deposits
$531.54M
Latest filing
Net Interest Margin
3.60%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091905716HOLDINGFORD, MN
Key People
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Locations
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Main Office
VersaBank USA National Association
580 Main St
Holdingford, MN 56340
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/10/1910FDIC Certificate 6501
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| VersaBank USA National Association (Main) | 580 Main St | Holdingford, MN | ||
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 | 10/10/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56340 |
| State and County Number | 27145 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Cloud, MN |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.versabankusa.com |
| Data Updated | 01/30/2026 |
| CERT | 10160 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $747.74M |
| Total Deposits | $531.54M |
| Total Liabilities | $565.08M |
| Total Equity Capital | $182.66M |
| Net Income | $2.02M |
| Net Loans and Leases | $387.56M |
| Assets Per Employee ($Millions) | $41.54M |
| Bank Premises and Fixed Assets | $2.09M |
| Cash and Balances due from Depository Institutions | $186.28M |
| Deposits Held in Domestic Offices | $531.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.54% |
| Return on Equity (ROE) | 4.44% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 37.69% |
| Tier 1 Risk-Based Capital Ratio | 43.871% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 24.428% |
| Earning Assets to total Assets | 97.47% |
Income and Expense
| Total Interest Income | $7.67M |
| Total Noninterest Income | $7.00k |
| Total Interest Expense | $3.09M |
| Total Noninterest Expense | $1.73M |
| Net Interest Income | $4.58M |
| Pre-tax Net Operating Income | $2.83M |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $33.54M |
| Total Liabilities and Capital | $747.74M |
Securities
| Securities | $161.01M |
| Available-for-sale debt securities | $67.33M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $93.67M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of VersaBank USA National Association?
$747.74M as of the latest filing.
How much are VersaBank USA National Association's total deposits?
$531.54M in total deposits.
Where is VersaBank USA National Association located?
Holdingford, MN.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
1.
When was it established?
10/10/1910.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$387.56M (latest filing).
What is the total interest income (latest filing)?
$7.67M.