Call reports 2026
VERSABANK USA, NATIONAL ASSOCIATION — 2026
What VERSABANK USA, NATIONAL ASSOCIATION reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 782,851,000 | 911,924,000 |
| Total loans | 472,753,000 | 577,418,000 |
| Allowance for loan losses | 188,000 | 4,000 |
| Securities available for sale | 70,429,000 | 153,230,000 |
| Securities held to maturity | 107,626,000 | 103,902,000 |
| Trading assets | 0 | 0 |
| Total deposits | 557,388,000 | 675,827,000 |
| Interest-bearing deposits | 552,779,000 | 675,827,000 |
| Noninterest-bearing deposits | 4,609,000 | 0 |
| Equity capital | 184,874,000 | 187,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 10,599,000 | 23,053,000 |
| Interest expense | 5,182,000 | 11,324,000 |
| Net interest income | 5,417,000 | 11,729,000 |
| Noninterest income | 10,000 | 2,000 |
| Noninterest expense | 2,348,000 | 4,926,000 |
| Provision for loan losses | -41,000 | -234,000 |
| Pretax income | 3,120,000 | 7,039,000 |
| Income tax | 897,000 | 2,023,000 |
| Net income | 2,223,000 | 5,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 184,869,000 | 187,661,000 |
| Total capital | 185,057,000 | 187,665,000 |
| Risk-weighted assets | 514,965,000 | 616,632,000 |
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