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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Holdingford, MN · FDIC certificate #10160
VERSABANK USA NATIONAL ASSN is an FDIC-insured institution based in Holdingford, MN (FDIC certificate #10160). In its Q3 2026 Call Report it reported total assets of $1.2B, total deposits of $954M and net loans of $921M. Its primary federal regulator is OCC.
Reported facts
Deterministic ratios for VERSABANK USA NATIONAL ASSN from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $954M |
|---|---|
| Net loans and leases | $921M |
Plain-language readout
VERSABANK USA NATIONAL ASSN in Holdingford, MN funds its loans with $954M of deposits and holds $921M 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 VERSABANK USA NATIONAL ASSN in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 96.56% in Q3 2026, against 84.78% 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 | $921M | $954M | 96.56% |
| Q2 2026 | $577M | $676M | 85.44% |
| Q1 2026 | $473M | $557M | 84.78% |