Side-by-side · Q2 2026 data
VersaBank USA National Association vs Falcon National Bank
Metric by metric
| Measure | VersaBank USA National Association | Falcon National Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 97 (stronger) | 65 |
| Earnings | 69 (stronger) | 68 |
| Funding & liquidity | 75 (stronger) | 51 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 94th | 22nd |
| Total assets | $911.9M | $872.3M |
| Deposits / shares | $675.8M | $768.7M |
| Capital ratio | 22.46% (stronger) | 10.24% |
| Problem loans | 0.10% (stronger) | 1.04% |
| Net charge-offs | 0.01% (stronger) | 0.61% |
| Return on assets | 1.23% (stronger) | 1.20% |
| Loans ÷ deposits | 85.4% (stronger) | 95.2% |
| Uninsured deposits | 0.0% (stronger) | 27.8% |
| Offices | 0 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.7% |
VersaBank USA National Association has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), VersaBank USA National Association leads on 7 and Falcon National Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.