Side-by-side · Q2 2026 data
21st Century Bank vs VersaBank USA National Association
Metric by metric
| Measure | 21st Century Bank | VersaBank USA National Association |
|---|---|---|
| TellerScore | 70 | 89 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 94 | 97 (stronger) |
| Earnings | 73 (stronger) | 69 |
| Funding & liquidity | 35 | 75 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 43rd | 94th |
| Total assets | $894.8M | $911.9M |
| Deposits / shares | $658.8M | $675.8M |
| Capital ratio | 10.66% | 22.46% (stronger) |
| Problem loans | 0.19% | 0.10% (stronger) |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 1.31% (stronger) | 1.23% |
| Loans ÷ deposits | 101.2% | 85.4% (stronger) |
| Uninsured deposits | 37.1% | 0.0% (stronger) |
| Offices | 8 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | — |
VersaBank USA National Association has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), 21st Century Bank leads on 1 and VersaBank USA National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.