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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #1011656 2025-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 163.7% (threshold 100%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.53% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -24
  • Securities
    ↑ +51
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -15

The five pillars

Liquidity

StableQoQ -24
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 163.7%, cash 3.0% of assets.

Cash / Assets
3.01%
Loans / Deposits
163.66%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 163.7% (threshold 100%).

Securities

WatchQoQ +51
51
Sub-score

Securities profile is deteriorating: securities 34.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.82%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 94.40%, CET1 94.40%, leverage 55.90%.

Tier 1 RBC
94.40%
CET1
94.40%
Leverage
55.90%
No watch items at this period.

Asset Quality

StrongQoQ +2
99
Sub-score

Asset quality is strong: Adjusted NPL 0.07%, Texas Ratio 0.1%, NCO YTD 0.27%.

Adjusted NPL
0.07%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.27%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -15
68
Sub-score

Reserves are stable: ALLL 0.53% of loans, coverage 727.7%, true coverage 727.7%.

ALLL / Loans
0.53%
Coverage
727.7%
True Loss Coverage
727.7%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.53% of loans.

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