Visbanking Logo
Skip to main content

Versabank Usa National Association

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #1011656 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 158.8% (threshold 100%).
  2. risk
    Brokered deposits above 30%
    Liquidity — Brokered 45.5% of deposits (threshold 30%).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.17% of loans.

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    ↑ +8
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -10
51
Sub-score

Liquidity is deteriorating: brokered 45.5%, loans/deposits 158.8%, cash 5.9% of assets.

Cash / Assets
5.94%
Loans / Deposits
158.82%
Brokered %
45.48%

Watch Items

  • riskBrokered deposits above 30% — Brokered 45.5% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 158.8% (threshold 100%).

Securities

WatchQoQ +8
43
Sub-score

Securities profile is deteriorating: securities 37.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
37.21%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 103.26%, CET1 103.26%, leverage 67.21%.

Tier 1 RBC
103.26%
CET1
103.26%
Leverage
67.21%
No watch items at this period.

Asset Quality

StrongQoQ +2
99
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.0%, NCO YTD 0.17%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.17%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.17% of loans, coverage 438.1%, true coverage 438.1%.

ALLL / Loans
0.17%
Coverage
438.1%
True Loss Coverage
438.1%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.17% 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