Verabank National Assn (FDIC #3250): Bank Stress & Real-Estate Credit Exposure
Verabank National Assn (FDIC Cert #3250): bank stress 53/100, moderate, STABLE over 7 days; parent VERABANK INC.
Verabank National Assn (#3250) lends in 20 counties across 1 state; Verabank National Assn (#3250) reaches 295 ZIP codes: Texas 20 counties, 295 ZIPs.
Verabank National Assn (#3250) largest markets: Travis County, TX (63 branches, 63 ZIPs) (#3250), Williamson County, TX (162 branches, 27 ZIPs) (#3250), Montgomery County, TX (27 branches, 27 ZIPs) (#3250), Bell County, TX (92 branches, 23 ZIPs) (#3250), Smith County, TX (69 branches, 23 ZIPs) (#3250), Rusk County, TX (80 branches, 20 ZIPs) (#3250).
Verabank National Assn (#3250) reports $4.58 billion in total assets; Verabank National Assn (#3250) equity $522.1 million (11.4% of Verabank National Assn (#3250) assets); Verabank National Assn (#3250) domestic deposits $4.02 billion; Verabank National Assn (#3250) net income $36.3 million; Verabank National Assn (#3250) return on assets 1.61%; Verabank National Assn (#3250) return on equity 14.09%; Verabank National Assn (#3250) net interest income $89.7 million; Verabank National Assn (#3250) call report June 30, 2026.
Verabank National Assn (#3250) noncurrent real-estate loans 0.01% of its book; Verabank National Assn (#3250) net charge-offs on real estate 0.80%; Verabank National Assn (#3250) multifamily charge-offs 3.52%; Verabank National Assn (#3250) residential charge-offs 0.67%.
Verabank National Assn (#3250) net interest margin 4.27% against an eight-quarter Verabank National Assn (#3250) average of 4.06% (Verabank National Assn (#3250) compression -0.21 points); Verabank National Assn (#3250) real-estate loans 0.9% of equity; Verabank National Assn (#3250) non-residential real estate 66.6% of equity; Verabank National Assn (#3250) rate-exposure score 40/100, Verabank National Assn (#3250) fixed-rate trap 40/100; Verabank National Assn (#3250) risk type credit driven; Verabank National Assn (#3250) rate regime rates elevated, Verabank National Assn (#3250) snapshot October 19, 2026.
Verabank National Assn (#3250) stress score moved from 52.6 on June 22, 2026 to 53.5 on October 19, 2026; Verabank National Assn (#3250) ranged 52.6 to 53.5 over 116 snapshots.
Verabank National Assn (#3250) alerts: 20 counties; top Verabank National Assn (#3250) alert scores: Tyler County, TX 34 (low); Jefferson County, TX 31 (low); Bastrop County, TX 28 (low); Austin County, TX 18 (low); Brenham County, TX 18 (low).