Versabank Usa National Association
IDRSSD: 1011656
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Bank Health Dashboard
Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 11 alerts active.
Summary
RSSD 1011656 held $782.9M in total assets as of 2026-03-31 (+4.7% quarter-over-quarter). Total loans stood at $472.6M (+21.9% QoQ) and total deposits at $557.4M (+4.9% QoQ).
Overall position is adequate — the composite Health Score is 65/100 (Adequate). Tier 1 / RWA stands at 35.90%, in the top quartile of peers. Asset quality (NPL ratio) sits in the top quartile of peers.
11 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.
Headline KPIs
Health Score
65/100
Adequate
Active Alerts
11
0 critical, 11 warning
Total Assets
$782.9M
+4.7% QoQ
Total Loans
$472.6M
+21.9% QoQ
Total Deposits
$557.4M
+4.9% QoQ
Quarterly Anomaly Alerts
Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).
- Warning· Threshold Crossing AlertBrokered deposits exceeded 30% of total deposits (now 89.8%)Brokered deposits >30% of total deposits raises funding-stability risk. Bank is at 89.75%.
- Warning· Peer Outlier AlertCash / Assets QoQ change is -2.8σ from peer-group averageMoved from 24.91% to 14.67%; peers averaged a 0.28% change.
- Warning· Peer Outlier AlertCET1 / RWA QoQ change is -2.4σ from peer-group averageMoved from 43.87% to 35.90%; peers averaged a -0.18% change.
- Warning· Cliff Drop AlertLoans / Deposits dropped 27 percentile points vs prior quarterNow ranks at the 45th percentile of peers (was 73th).
- Warning· Peer Outlier AlertLoans / Deposits QoQ change is 2.6σ from peer-group averageMoved from 72.91% to 84.78%; peers averaged a -0.44% change.
- Warning· Cliff Drop AlertNet Interest Margin dropped 25 percentile points vs prior quarterNow ranks at the 9th percentile of peers (was 34th).
- Warning· Cliff Drop AlertPre-tax NOI / Avg Assets dropped 25 percentile points vs prior quarterNow ranks at the 60th percentile of peers (was 85th).
- Warning· Cliff Drop AlertReturn on Assets dropped 26 percentile points vs prior quarterNow ranks at the 46th percentile of peers (was 71th).
- Warning· Peer Outlier AlertTier 1 Leverage Ratio QoQ change is -2.4σ from peer-group averageMoved from 43.87% to 35.90%; peers averaged a -0.18% change.
- Warning· Peer Outlier AlertTier 1 / RWA QoQ change is -2.2σ from peer-group averageMoved from 43.87% to 35.90%; peers averaged a -0.14% change.
- Warning· Peer Outlier AlertTotal RBC / RWA QoQ change is -2.3σ from peer-group averageMoved from 43.93% to 35.94%; peers averaged a -0.14% change.
Peer-Percentile Metric Grid
Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.
Capital
Tier 1 / RWA
35.90%
96th pctile · n=320↑ better
-797 bp QoQ
CET1 / RWA
35.90%
98th pctile · n=500↑ better
-797 bp QoQ
Total RBC / RWA
35.94%
96th pctile · n=320↑ better
-800 bp QoQ
Tier 1 Leverage Ratio
35.90%
98th pctile · n=500↑ better
-797 bp QoQ
Liquidity
Cash / Assets
14.67%
86th pctile · n=500↑ better
-1025 bp QoQ
Loans / Deposits
84.78%
55th pctile · n=498↓ better
+1187 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better
Asset Quality
NPL / Loans
0.02%
13th pctile · n=500↓ better
-0 bp QoQ
NPA / Assets
0.01%
12th pctile · n=500↓ better
+0 bp QoQ
Texas Ratio (regulatory)
0.06%
9th pctile · n=500↓ better
+1 bp QoQ
Net Charge-Offs / Avg Loans
0.02%
70th pctile · n=500↓ better
-6 bp QoQ
ALLL Coverage of NPL
174.07%
42th pctile · n=500↑ better
-8572 bp QoQ
Earnings
Net Interest Margin
2.90%
9th pctile · n=500↑ better
-70 bp QoQ
Return on Assets
1.16%
46th pctile · n=500↑ better
-38 bp QoQ
Return on Equity
4.84%
12th pctile · n=500↑ better
+40 bp QoQ
Efficiency Ratio
43.27%
7th pctile · n=500↓ better
+558 bp QoQ
Pre-tax NOI / Avg Assets
1.63%
60th pctile · n=500↑ better
-53 bp QoQ
Funding
Brokered / Deposits
89.75%
100th pctile · n=498↓ better
+34 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
19th pctile · n=500↓ better
Securities
MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
22.74%
71th pctile · n=500↑ better
+121 bp QoQ
AFS Securities / Assets
9.00%
34th pctile · n=500↑ better
-1 bp QoQ
HTM Securities / Assets
13.75%
95th pctile · n=500↑ better
+122 bp QoQ
Methodology
- Health Score (0-100)
- Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
- Peer group
- Same asset-size bucket and charter type as the subject bank, computed nightly into
PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles. - Cliff Drop Alert
- Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
- Peer Outlier Alert
- Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
- Threshold Crossing Alert
- Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
- Source
- FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into
CallReport_FinancialsandCallReport_FdicData. Visbanking's metric coloring and alert thresholds.
Generated: 2026-05-12 00:53:53 UTC