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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q4QoQ +14

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

Quarterly Headline

2025-Q4

Bank #1011656 2025-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 89.4% of deposits (threshold 30%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.06% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +14 ptscomposite
  • Liquidity
    ↑ +28
  • Securities
    ↑ +52
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +28
79
Sub-score

Liquidity is stable: brokered 89.4%, loans/deposits 72.9%, cash 24.9% of assets.

Cash / Assets
24.91%
Loans / Deposits
72.91%
Brokered %
89.41%

Watch Items

  • riskBrokered deposits above 30% — Brokered 89.4% of deposits (threshold 30%).

Securities

StrongQoQ +52
95
Sub-score

Securities profile is strong: securities 21.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.53%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 43.87%, CET1 43.87%, leverage 33.72%.

Tier 1 RBC
43.87%
CET1
43.87%
Leverage
33.72%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.1%, NCO YTD 0.08%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.08%
30-89 PD
0.28%
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 0.06% of loans, coverage 259.8%, true coverage 259.8%.

ALLL / Loans
0.06%
Coverage
259.8%
True Loss Coverage
259.8%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.06% 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