Side-by-side · Q2 2026 data
First National Bank North vs VersaBank USA National Association
Metric by metric
| Measure | First National Bank North | VersaBank USA National Association |
|---|---|---|
| TellerScore | 85 | 89 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 74 | 75 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 88th | 94th |
| Total assets | $864.3M | $911.9M |
| Deposits / shares | $756.3M | $675.8M |
| Capital ratio | 12.14% | 22.46% (stronger) |
| Problem loans | 0.23% | 0.10% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 2.54% (stronger) | 1.23% |
| Loans ÷ deposits | 84.1% (stronger) | 85.4% |
| Uninsured deposits | 17.1% | 0.0% (stronger) |
| Offices | 10 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
VersaBank USA National Association has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), First National Bank North leads on 2 and VersaBank USA National Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.