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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q3QoQ -15

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

Quarterly Headline

2024-Q3

Bank #1011656 2024-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.92% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -15 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↓ -100
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -3
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.0%, cash 2.9% of assets.

Cash / Assets
2.92%
Loans / Deposits
84.02%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.92% of assets (threshold 3%).

Securities

RiskQoQ -100
0
Sub-score

Securities profile is weak: securities 60.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
60.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 174.87%, CET1 174.87%, leverage 108.19%.

Tier 1 RBC
174.87%
CET1
174.87%
Leverage
108.19%
No watch items at this period.

Asset Quality

StrongQoQ +5
100
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.1%, NCO YTD -1.62%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
-1.62%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
96
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 1156.3%, true coverage 718.4%.

ALLL / Loans
1.37%
Coverage
1156.3%
True Loss Coverage
718.4%
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