🏦Bank Scorer

VERABANK, NATIONAL ASSOCIATION

HENDERSON, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1930FDIC #3,250
Satisfactory Same

Current rating · Exam: February 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.57%

How this bank compares in TX

Mortgage Denial Rate

Lower denial rate than 27.3% of TX banks

Institution Profile

FDIC BankFind

Address

201 W Main St, HENDERSON, TX

County

Rusk County

Established

March 28, 1930

Total Assets

$4.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 21, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.5B

Total Deposits

$4.0B

Net Loans

$2.8B

Net Income

$18M

ROA

1.57%

ROE

13.72%

Risk-Based Capital

18.50%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.37%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

41

Branch Deposits

$3.8B

1-Year Change

+2

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202495072.53%11.37%
20231,20676.95%10.12%
20221,19074.96%11.26%
20211,23466.94%15.88%
20201,17563.74%18.13%
201993562.25%20.00%
201889563.91%18.32%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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