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BDI
V

VeraBank, National Association

Henderson, TexasFDIC Cert #3250

OCCEstablished 193042 branches

Holding company: VERABANK INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.52%
+45.3%y/y
Peer standing32nd percentile
Peer standing in ubpr:primary:3
FDICP3ASSET + LNLSGR
90+ %
0.09%
−16.9%y/y
Peer standing15th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + LNLSGR
Nonaccrual %
0.78%
+225.1%y/y
Peer standing35th percentile
Peer standing in ubpr:primary:3
FDICNAASSET + LNLSGR
Noncurrent %
0.87%
+152.8%y/y
Peer standing33rd percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.58%
+145.9%y/y
Peer standing39th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$26.1M
+156.1%y/y
Peer standing44th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.13%
+74.3%y/y
Peer standing32nd percentile
Peer standing in ubpr:primary:3
FDICNTLNLS + LNLSGR
NCO
$943K
+73.3%y/y
Peer standing35th percentile
Peer standing in ubpr:primary:3
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.22%
−1.4%y/y
Percentile by value58th percentileby value
Peer standing in ubpr:primary:3
FDICLNATRES + LNLSGR
30–89
$14.5M
+42.3%y/y
Peer standing43rd percentile
Peer standing in ubpr:primary:3
FDICP3ASSET
90+
$2.39M
−18.6%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:3
FDICP9ASSET
Nonaccrual
$21.9M
+218.3%y/y
Peer standing46th percentile
Peer standing in ubpr:primary:3
FDICNAASSET