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Versabank Usa National Association
Holdingford, MN · FDIC Certificate #10160 · Chartered 10/1
Total assets
$911.92M
Total deposits
$675.83M
Total equity
$187.66M
Net loans
$577.41M
Branches (offices)
2
Net income (YTD)
$5.02M
Rank: #1,131 of 4,213 U.S. banks by assets · #22 of 221 in Minnesota. Assets changed 333.0% and deposits 564.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 5.42% |
| Net interest margin (YTD) | 2.96% |
| Equity to assets | 20.58% |
| Tier 1 leverage ratio | 22.46% |
| Uninsured deposits (share of deposits) | 0.0% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 0.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $0 | 0.0% | |
| Commercial & industrial | $577.42M | 100.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $89.59M | $66.73M | $867.00K | $21.11M |
| Jun 2023 | $78.68M | $54.44M | $600.00K | $22.32M |
| Jun 2024 | $79.14M | $53.89M | $370.00K | $23.16M |
| Jun 2025 | $210.62M | $101.67M | $276.00K | $99.04M |
| Jun 2026 | $911.92M | $675.83M | $5.02M | $187.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $675.83M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $675.83M.
Similar-sized banks
Dr Bank ($912.61M) · Heartland Bank ($911.09M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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