BlastPoint's Banking Scorecard

VersaBank USA National Association

$100M-$1B Specialty: Commercial MN FDIC cert 10160

Holdingford, MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

VersaBank USA National Association has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 22.02% below tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 0.1% in tier
- Liquidity Overhang: Bottom 5.7% in tier
- Net Interest Margin 1.03% below tier average
- Non-Interest Income / Assets 0.28% below tier average
- ROA 0.11% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$782.9M +358.5% YoY +4.7% QoQ	+$396.8M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 8.9% in tier
Total Loans ?	$472.6M +431.8% YoY +21.9% QoQ	+$216.8M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 13.5% in tier
Total Deposits ?	$557.4M +926.6% YoY +4.9% QoQ	+$229.4M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.16% +13.8% QoQ	-0.11%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	2.90% -30.8% YoY -22.6% QoQ	-1.03%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 8.7% in tier
Efficiency Ratio ?	43.27% -55.1% YoY -26.6% QoQ	-22.02%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 7.0% in tier
Delinquency Rate ?	0.02% -68.8% YoY -8.7% QoQ	-0.86%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	84.78% -48.2% YoY +16.3% QoQ	+8.14%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	0.83% -90.3% YoY -0.6% QoQ	-21.19%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 1.1% in tier
Nonperforming Asset Ratio ?	0.01% -63.8% YoY +6.3% QoQ	-0.62%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 15.0% in tier
Tier 1 Capital Ratio ?	35.90% -62.0% YoY -18.2% QoQ	+20.07%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Top 2.2% in tier
Non-Interest Income / Assets ?	0.00% +121.8% YoY +163.7% QoQ	-0.28%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 0.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

NIB Deposit Bleed

decline

#1 of 198 • Bottom 0.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 0.83%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Liquidity Overhang

risk

#43 of 739 • Bottom 5.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 35.90%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 84.78%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Tier 1 Capital Ratio

capital

Value: 35.90%

Peer Median: 15.83%

#60 of 2664 Top 2.2% in $100M-$1B

187

Efficiency Ratio

profitability

Value: 43.27%

Peer Median: 65.29%

#187 of 2664 Top 7.0% in $100M-$1B

238

Total Assets

size

Value: $782.85M

Peer Median: $386.08M

#238 of 2664 Top 8.9% in $100M-$1B

360

Total Loans

size

Value: $472.56M

Peer Median: $255.72M

#360 of 2664 Top 13.5% in $100M-$1B

400

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#400 of 2664 Top 15.0% in $100M-$1B

417

Total Deposits

size

Value: $557.39M

Peer Median: $327.97M

#417 of 2664 Top 15.6% in $100M-$1B

435

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#435 of 2654 Top 16.4% in $100M-$1B

Top Weaknesses (3 metrics)

2652

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.28%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2636

Non-Interest-Bearing Deposit Share

funding

Value: 0.83%

Peer Median: 22.02%

#2636 of 2664 Bottom 1.1% in $100M-$1B

2434

Net Interest Margin

profitability

Value: 2.90%

Peer Median: 3.93%

#2434 of 2664 Bottom 8.7% in $100M-$1B