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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Draper, UT · FDIC certificate #59190
VARO BANK NATIONAL ASSN is an FDIC-insured institution based in Draper, UT (FDIC certificate #59190). In its Q3 2026 Call Report it reported total assets of $348M, total deposits of $228M and net loans of $95M. Its primary federal regulator is OCC.
Reported facts
Deterministic ratios for VARO BANK NATIONAL ASSN from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $228M |
|---|---|
| Net loans and leases | $95M |
Plain-language readout
VARO BANK NATIONAL ASSN in Draper, UT funds its loans with $228M of deposits and holds $95M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for VARO BANK NATIONAL ASSN in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 41.69% in Q3 2026, against 41.40% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $95M | $228M | 41.69% |
| Q2 2026 | $87M | $210M | 41.65% |
| Q1 2026 | $91M | $220M | 41.40% |