Side-by-side · Q2 2026 data
VersaBank USA National Association vs Liberty Bank Minnesota
Metric by metric
| Measure | VersaBank USA National Association | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 89 (stronger) | 86 |
| Capital cushion | 100 (stronger) | 79 |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 69 (stronger) | 62 |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 94th | 90th |
| Total assets | $911.9M | $290.2M |
| Deposits / shares | $675.8M | $262.9M |
| Capital ratio | 22.46% (stronger) | 12.90% |
| Problem loans | 0.10% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.23% (stronger) | 1.04% |
| Loans ÷ deposits | 85.4% | 51.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 9.1% |
| Offices | 0 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
VersaBank USA National Association has the higher TellerScore (89 vs 86). On the 7 directional measures above (where higher or lower is clearly better), VersaBank USA National Association leads on 5 and Liberty Bank Minnesota on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.