BlastPoint's Banking Scorecard
VersaBank USA National Association
Community
Specialty: Commercial
MN
FDIC cert 10160
Holdingford, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
VersaBank USA National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.49% below tier
- + Tier 1 Capital Ratio 33.63% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 1% in Community
- - Liquidity Overhang: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$747.7M
+320.6% YoY
+151.2% QoQ
|
-$643.7M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$387.6M
+776.4% YoY
+138.2% QoQ
|
-$587.9M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$531.5M
+712.3% YoY
+418.8% QoQ
|
-$633.1M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.02%
+210.6% YoY
+30.1% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.75%
+95.7% YoY
-18.4% QoQ
|
+0.09% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
58.96%
-31.5% YoY
-19.5% QoQ
|
-3.68% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.03%
-92.2% YoY
-35.3% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
72.91%
+7.9% YoY
-54.1% QoQ
|
-10.15% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
0.83%
-88.7% YoY
-80.6% QoQ
|
-20.21% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-83.6% YoY
-38.7% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
43.87%
-72.9% YoY
-57.5% QoQ
|
+33.63% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
-0.00%
-123.8% YoY
+72.9% QoQ
|
-0.74% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
43.87%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
NIB Deposit Bleed
decline
#1 of 89 · Bottom 1% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
0.83%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Liquidity Overhang
risk
#62 of 268 · Bottom 23% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
43.87%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
72.91%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Tier 1 Capital Ratio
Current: 43.87% · Tier avg: 10.24%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.91% · Tier avg: 83.06%
61
61th pctile
Efficiency Ratio
Current: 58.96% · Tier avg: 62.63%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
31
31th pctile
Total Assets
Current: $747.7M · Tier avg: $1.4B
18
18th pctile
Total Deposits
Current: $531.5M · Tier avg: $1.2B
13
13th pctile
Total Loans
Current: $387.6M · Tier avg: $975.5M
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.83% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.83% · Tier avg: 21.05%
13
13th pctile
Total Loans
Current: $387.6M · Tier avg: $975.5M
18
18th pctile
Total Deposits
Current: $531.5M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $747.7M · Tier avg: $1.4B
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
61
61th pctile
Efficiency Ratio
Current: 58.96% · Tier avg: 62.63%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.91% · Tier avg: 83.06%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 43.87% · Tier avg: 10.24%