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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q2QoQ -4

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

Quarterly Headline

2025-Q2

Bank #1011656 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.2% (threshold 100%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.31% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.51% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↓ -16
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -3
61
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 116.2%, cash 1.5% of assets.

Cash / Assets
1.51%
Loans / Deposits
116.18%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.51% of assets (threshold 3%).

Securities

RiskQoQ -16
35
Sub-score

Securities profile is weak: securities 39.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.50%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 81.09%, CET1 81.09%, leverage 47.93%.

Tier 1 RBC
81.09%
CET1
81.09%
Leverage
47.93%
No watch items at this period.

Asset Quality

StrongQoQ -2
97
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.1%, NCO YTD 0.47%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.47%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
67
Sub-score

Reserves are stable: ALLL 0.31% of loans, coverage 296.7%, true coverage 296.7%.

ALLL / Loans
0.31%
Coverage
296.7%
True Loss Coverage
296.7%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.31% 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