BlastPoint's Banking Scorecard
VeraBank, National Association
Designations: ✓ Community bank
Henderson, TX
43 branches across TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +5.8% year over year ($4.0B on the books).
- Delinquency rate 0.97%.
- Return on assets 1.61%.
- Efficiency ratio 57.43% vs a 59.73% peer average.
- Loan-to-deposit ratio 68.78% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
VeraBank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 2.30% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.10% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.6B
+6.4% YoY
+1.1% QoQ
|
+$1.8B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$2.8B
-1.5% YoY
-0.0% QoQ
|
+$804.4M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$4.0B
+5.8% YoY
+1.2% QoQ
|
+$1.7B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 14.5% in tier |
| Return on Assets ? |
1.61%
+3.8% YoY
+2.6% QoQ
|
+0.22% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.27%
+4.8% YoY
+1.4% QoQ
|
+0.40% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
57.43%
-0.2% YoY
-1.0% QoQ
|
-2.30% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.97%
+60.1% YoY
+10.5% QoQ
|
+0.10% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
68.78%
-6.9% YoY
-1.2% QoQ
|
-16.25% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 14.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.37%
+10.0% YoY
+1.6% QoQ
|
+9.10% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 14.7% in tier |
| Nonperforming Asset Ratio ? |
0.63%
+47.1% YoY
+10.2% QoQ
|
-0.04% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
17.27%
+9.7% YoY
-0.1% QoQ
|
+2.43% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 14.1% in tier |
| Non-Interest Income / Assets ? |
0.49%
-0.1% YoY
+98.1% QoQ
|
-0.04% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
79% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.4%
+2.8pp YoY +0.5pp QoQ |
+9.0pp | 21.4% | 29.2% | 22.2% | 85% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.8%
+0.1pp YoY +0.6pp QoQ |
-1.2pp | 14.0% | 14.8% | 12.5% | 58% |
| CRE |
48.7%
+2.0pp YoY -1.0pp QoQ |
-1.3pp | 50.0% | 48.4% | 41.4% | 46% |
| 1-4 Family |
33.9%
-1.9pp YoY +0.3pp QoQ |
+7.5pp | 26.4% | 25.8% | 31.3% | 73% |
| Consumer |
2.7%
-0.7pp YoY -0.2pp QoQ |
-2.0pp | 4.7% | 4.7% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.3%
+1.5pp YoY 0.0pp QoQ |
+1.7pp | 15.6% | 22.7% | 19.7% | 84% |
| Leverage Ratio |
11.0%
+0.6pp YoY -0.1pp QoQ |
-0.3pp | 11.3% | 12.6% | 12.6% | 61% |
| Total Capital Ratio |
18.5%
+1.5pp YoY 0.0pp QoQ |
+1.8pp | 16.7% | 23.8% | 20.8% | 85% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
569
+17 (+3.1%) YoY +9 (+1.6%) QoQ |
+255 | 313 | 186 | 482 | 87% |
| Assets per Employee ($) |
$8.1M
+3.2% YoY -0.5% QoQ |
-$2.4M | $10.5M | $10.1M | $8.8M | 41% |
| Branch Count |
43
+1 (+2.4%) YoY +1 (+2.4%) QoQ |
+23 | 20 | 12 | 18 | 91% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 76% |
| Nonaccrual |
0.9%
+0.4pp YoY +0.1pp QoQ |
0.0pp | 0.8% | 1.0% | 1.0% | 69% |
| Allowance Coverage |
1.30x
-38.3% YoY -8.0% QoQ |
-17.41x | 18.71x | 18.82x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.1%
-0.6pp YoY +0.4pp QoQ |
+1.5pp | 12.6% | 13.2% | 11.6% | 67% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.6% | 1.7% | 11% |
| Net Income ($, YTD) |
$36.3M
+8.6% YoY — QoQ |
+$17.1M | $19.2M | $15.9M | $40.4M | 86% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.