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Versabank Usa National Association

IDRSSD: 1011656
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2023-Q4QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #1011656 2023-Q4 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.3% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ -22
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +22
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -22
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 112.3%, cash 9.2% of assets.

Cash / Assets
9.16%
Loans / Deposits
112.33%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 35.21%, CET1 35.21%, leverage 29.26%.

Tier 1 RBC
35.21%
CET1
35.21%
Leverage
29.26%
No watch items at this period.

Asset Quality

StrongQoQ +22
97
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 1.2%, NCO YTD 0.39%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
0.39%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.84% of loans, coverage 395.8%, true coverage 395.8%.

ALLL / Loans
1.84%
Coverage
395.8%
True Loss Coverage
395.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 00:53:16 UTC