VeraBank, National Association: how it compares with its peers
Against 35 TX banks with half to twice its assets, VeraBank, National Association's strongest measure in Q2 2026 is net interest margin (4.27% vs. a 3.86% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $9.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.57% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.27% | 3.86% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.43% | 57.37% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $9.2M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.78% | 75.01% | Context |
What it means for lending operations
Its efficiency ratio of 57.43% is above the 57.37% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- International Bank of Commerce Brownsville, TX · $4.56B
- First National Bank Texas Killeen, TX · $4.64B
- Texas Exchange Bank Crowley, TX · $4.49B
- Texas Bank and Trust Company Longview, TX · $4.34B
- Inwood National Bank Dallas, TX · $4.26B
- Vantage Bank Texas San Antonio, TX · $5.14B
Questions about VeraBank, National Association
How big is VeraBank, National Association?
VeraBank, National Association, established in 1930, is headquartered in Henderson, TX. It reported $4.58B in total assets in its Q2 2026 FDIC call report and operates 43 offices.
What is VeraBank, National Association's return on assets?
1.61% annualized in Q2 2026, against a 1.57% median for 35 TX banks with half to twice its assets, ahead of 54% of them.
What is VeraBank, National Association's efficiency ratio?
57.43% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 57.37%, and lower is better.
Is VeraBank, National Association growing its loans?
Net loans shrank 1.5% over the year to Q2 2026, while deposits grew 5.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.