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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Verabank National Association

Henderson, Texas · $4.58B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

0.96%
NPA / loans
9th of 12
31.6%
CRE / loans
4th of 12
-1.5%
Loans, year over year
9th of 12, largest first

Verabank National Association is the sixth largest of the 12 Texas banks nearest its size between $3B and $10B, with $4.58B in assets at 30 June 2026. Loans are 69.6% of deposits, 6th of 12 against a median of 71.8%, and equity is 11.4% of assets, 5th of 12. Loans grew -1.5% in the year, 9th of 12, and deposits grew 5.8%; the cohort's median loan growth is +2.2%.

Noncurrent loans are 0.96% of the book, 9th of 12 against a median of 0.60%; 0.58% is 30 to 89 days past due, and the allowance covers them 1.3 times. Net charge-offs are 0.10% of loans, 7th of 12. Commercial real estate is 31.6% of loans, 4th of 12 against a median of 38.8%, and 166% of capital, below the 300% screen, with construction at 54% against the 100% screen.

Return on assets is 1.60%, 5th of 12 against a median of 1.58%, on an efficiency ratio of 57.9%, 7th of 12. Five years ago it was 1.25%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 38.8% TE Texas Exchange Bank 13.3% CC Cornerstone Capital Bank SSB 20.5% AB Austin Bank Texas N.A. 26.8% VN Verabank National Association 31.6% BN Broadway National Bank 36.2% VB Vantage Bank Texas 38.7% CB City Bank 39.0% AN American National Bank of Texas 41.1% FN First National Bank Texas 41.6% TB Texas Bank & Trust Co. 47.9% IB International Bank of Com 56.9% IN Inwood National Bank 64.0%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +2.2% CC Cornerstone Capital Bank SSB +67.5% CB City Bank +21.4% VB Vantage Bank Texas +14.7% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% AB Austin Bank Texas N.A. +0.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Verabank National Association is the 177th largest 7(a) lender into Texas of 706, with $30M across 53 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 4 of its 15 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bell, TX$4M23rd of 1211.3%thin
Travis, TX$4M107th of 2390.2%thin
Dallas, TX$4M155th of 3140.1%thin
Smith, TX$4M22nd of 1011.4%thin
Williamson, TX$3M81st of 1810.3%+0.2 pts
Henderson, TX$3M12th of 503.0%quiet FY2021
Anderson, TX$2M9th of 373.6%quiet FY2011
Brazos, TX$2M34th of 920.8%thin
Harrison, TX$2M11th of 363.3%quiet FY2022
Fort Bend, TX$1M109th of 1800.1%thin
Gregg, TX$1M37th of 670.6%thin
Rusk, TX$604K12th of 231.7%quiet FY2015
Washington, TX$395K25th of 290.8%thin
2 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services12$8M25.3%0.01%664th of 2,596
Manufacturing6$7M23.1%0.02%568th of 2,246
Other services8$4M12.2%0.01%656th of 2,248
Retail trade2$2M7.1%0.00%1132nd of 2,589
Mining & extraction1$2M6.6%0.14%156th of 426
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Verabank National Association
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans VN Verabank National Association 0.1% $30M · 53 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Verabank National AssociationRankCohort median
Total CRE against capital, the 300% screen166%5th of 12191%
Construction against capital, the 100% screen54%5th of 1257%
Construction and land development, share of loans10.2%4th of 1211.1%
Non-owner-occupied nonfarm nonresidential, share of loans18.3%4th of 1222.2%
Total CRE, the guidance definition, share of loans31.6%4th of 1238.8%
CRE growth over 36 months, the third prong+0.1%3rd of 12+16.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Austin Bank Texas N.A.$3.33B2.1%51.3%0.60%0.05%1.5%89.3%15.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Verabank National AssociationCohort median
20212026Change20212026Change
Loans$1.70B$2.80B+65%$1.84B$2.70B+47%
Deposits$2.93B$4.02B+37%$3.02B$3.97B+31%
NPA / loans0.55%0.96%+0.40 pts0.44%0.60%+0.16 pts
Efficiency62.4%57.9%-4.5 pts63.9%57.9%-6.0 pts
ROA1.25%1.60%+0.35 pts1.31%1.58%+0.26 pts

This read was prepared for Verabank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Verabank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.verabank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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