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VeraBank, National Association
Henderson, TX·FDIC Cert #3250·Charter: OCC·Est. 19300328.0·HC: VERABANK INC
Total Assets
$4.4B
Q4 2025
Return on Assets
1.50%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.07%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.50%+0.07
ROE
13.88%+0.52
Efficiency
57.07%-1.12
Equity/Assets
0.00%+0.00
NPL Ratio
0.85%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
70.00%-1.72
Charge-offs
0.30%-0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.3 | 1.3 | 1.4 | 1.4 | 1.5 | 1.4 | 1.5 |
| ROE | 11.7 | 12.5 | 12.6 | 13.7 | 13.7 | 14.7 | 13.4 | 13.9 |
| Efficiency | 62.0 | 60.5 | 60.1 | 58.1 | 59.0 | 57.5 | 58.2 | 57.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.4 | 0.3 | 0.6 | 0.9 | 0.8 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.4 | 0.3 |
| Loan/Deposit | 75.1 | 76.4 | 74.1 | 73.1 | 73.2 | 73.9 | 71.7 | 70.0 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.9B
Total Loans$2.7B
Total Equity$506.1M
Profitability
ROA1.50%
ROE13.88%
Efficiency Ratio57.07%
Net Income$65.4M
Risk & Asset Quality
NPL Ratio0.85%
Charge-off Rate0.30%
Loan/Deposit70.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans