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Verabank, National Association
Henderson, TX · FDIC Certificate #3250 · Chartered 03/2
Total assets
$4.58B
Total deposits
$4.02B
Total equity
$522.07M
Net loans
$2.77B
Branches (offices)
42
Net income (YTD)
$36.35M
Rank: #303 of 4,213 U.S. banks by assets · #22 of 346 in Texas. Assets changed 6.4% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.61% |
| Return on equity | 14.09% |
| Net interest margin (YTD) | 4.27% |
| Equity to assets | 11.39% |
| Tier 1 leverage ratio | 11.03% |
| Uninsured deposits (share of deposits) | 29.0% |
| Noncurrent loans (share of loans) | 0.96% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 68.8% |
| Real estate loans (share of loans) | 84.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.34B | 84.4% | |
| Commercial & industrial | $353.18M | 12.8% | |
| Consumer / individual | $75.81M | 2.7% | |
| Construction & development | $286.20M | 10.3% | |
| Agricultural | $13.50M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.93B | $3.56B | $20.00M | $343.46M |
| Jun 2023 | $4.48B | $3.55B | $30.67M | $402.49M |
| Jun 2024 | $4.12B | $3.64B | $26.89M | $438.94M |
| Jun 2025 | $4.31B | $3.80B | $33.46M | $469.37M |
| Jun 2026 | $4.58B | $4.02B | $36.35M | $522.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $4.02B | 42 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.02B.
Similar-sized banks
Peoplesbank ($4.62B) · International Bank Of Commerce ($4.56B)
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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