BlastPoint's Banking Scorecard

VeraBank, National Association

$1B-$10B Specialty: Commercial TX FDIC cert 3250

Designations: ✓ Community bank

Henderson, TX

43 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

VeraBank, National Association demonstrates 3 strengths

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

+ ROA 0.20% above tier average
+ Net Interest Margin 0.39% above tier average
+ Efficiency Ratio 3.07% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when VeraBank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$4.5B +4.1% YoY +1.9% QoQ	+$1.7B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$2.8B -2.1% YoY +1.4% QoQ	+$803.6M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$4.0B +3.0% YoY +1.9% QoQ	+$1.6B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	1.57% +10.6% YoY +4.2% QoQ	+0.20%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	4.21% +5.9% YoY +1.6% QoQ	+0.39%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	57.99% -1.7% YoY +1.6% QoQ	-3.07%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.88% +152.7% YoY +3.6% QoQ	-0.01%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	69.64% -4.9% YoY -0.5% QoQ	-14.56%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	29.90% +7.3% YoY +4.4% QoQ	+8.61%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.58% +145.9% YoY +5.4% QoQ	-0.10%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	17.28% +14.2% YoY +1.4% QoQ	+2.12%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 13.8% in tier
Non-Interest Income / Assets ?	0.25% +15.5% YoY -74.1% QoQ	-0.01%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	80%

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (8 metrics)

123

Tier 1 Capital Ratio

capital

Value: 17.28%

Peer Median: 15.16%

#123 of 884 Top 13.8% in $1B-$10B

134

Total Deposits

size

Value: $3.98B

Peer Median: $2.34B

#134 of 884 Top 15.0% in $1B-$10B

146

Total Assets

size

Value: $4.53B

Peer Median: $2.82B

#146 of 884 Top 16.4% in $1B-$10B

147

Loan-to-Deposit Ratio

liquidity

Value: 69.64%

Peer Median: 84.20%

#147 of 884 Top 16.5% in $1B-$10B

147

Non-Interest-Bearing Deposit Share

funding

Value: 29.90%

Peer Median: 21.29%

#147 of 884 Top 16.5% in $1B-$10B

178

Total Loans

size

Value: $2.77B

Peer Median: $1.96B

#178 of 884 Top 20.0% in $1B-$10B

178

Net Interest Margin

profitability

Value: 4.21%

Peer Median: 3.82%

#178 of 884 Top 20.0% in $1B-$10B

180

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.26%

#180 of 884 Top 20.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available