Side-by-side · Q2 2026 data
VersaBank USA National Association vs Vermillion State Bank
Metric by metric
| Measure | VersaBank USA National Association | Vermillion State Bank |
|---|---|---|
| TellerScore | 89 | 90 (stronger) |
| Capital cushion | 100 (stronger) | 84 |
| Loan quality | 97 (stronger) | 92 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 75 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 94th | 95th |
| Total assets | $911.9M | $931.4M |
| Deposits / shares | $675.8M | $806.6M |
| Capital ratio | 22.46% (stronger) | 13.40% |
| Problem loans | 0.10% (stronger) | 0.24% |
| Net charge-offs | 0.01% | -0.12% (stronger) |
| Return on assets | 1.23% | 2.56% (stronger) |
| Loans ÷ deposits | 85.4% | 51.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 30.2% |
| Offices | 0 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 89). On the 7 directional measures above (where higher or lower is clearly better), VersaBank USA National Association leads on 3 and Vermillion State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.