VersaBank Balance Sheet

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Cash & Equivalents	581.71	225.25	132.24	88.58	271.52
Investment Securities	81.88	300.25	168.89	142.52	0.95
Trading Asset Securities	-	0.02	1.52	-	-
Total Investments	81.88	300.27	170.41	142.52	0.95
Gross Loans	5,050	4,218	3,832	2,980	2,096
Allowance for Loan Losses	-7.28	-3.3	-2.51	-1.9	-1.45
Net Loans	5,043	4,214	3,830	2,978	2,095
Property, Plant & Equipment	26.36	26.62	9.96	10.99	11.89
Goodwill	12.3	12.3	5.75	5.75	5.75
Other Intangible Assets	10.56	12.05	2.79	3.19	3.64
Accrued Interest Receivable	23.42	21.78	20.68	14.7	8.2
Other Receivables	7.37	10.72	3.86	3.77	2.64
Other Current Assets	17.88	14.4	22.13	16.39	12.7
Long-Term Deferred Tax Assets	4.04	0.75	4.06	2.13	2.93
Total Assets	5,808	4,838	4,202	3,266	2,415
Accounts Payable	12.52	10.75	9.68	7.66	6.89
Interest Bearing Deposits	4,792	4,145	3,456	2,658	1,853
Total Deposits	4,792	4,145	3,456	2,658	1,853
Short-Term Borrowings	0.42	-	-	-	-
Current Portion of Leases	0.61	-	-	-	-
Current Income Taxes Payable	0.13	0.89	7.47	5.8	2.95
Accrued Interest Payable	69.3	-	76.95	-	-
Other Current Liabilities	290.67	171.21	153.77	126.11	110.76
Long-Term Debt	103.52	102.5	106.85	104.95	95.27
Long-Term Leases	2.06	3.04	3.77	4.47	5.11
Long-Term Deferred Tax Liabilities	0.03	0.14	0.73	0.79	0.9
Other Long-Term Liabilities	5	6.08	8.82	8.01	7.89
Total Liabilities	5,276	4,439	3,824	2,915	2,083
Preferred Stock, Convertible	-	-	13.65	-	-
Common Stock	325.91	215.61	214.82	239.63	241.32
Additional Paid-In Capital	2.47	2.49	2.51	1.61	0.15
Retained Earnings	203.73	181.24	146.04	109.34	90.64
Comprehensive Income & Other	0.56	-0.13	0.13	0.1	-0
Total Common Equity	532.67	399.2	363.51	350.68	332.11
Shareholders' Equity	532.67	399.2	377.16	350.68	332.11
Total Liabilities & Equity	5,808	4,838	4,202	3,266	2,415
Total Debt	106.6	105.54	110.62	109.42	100.39
Net Cash (Debt)	475.11	119.74	23.14	-20.84	171.14
Net Cash Growth	296.80%	417.49%	-	-	-28.97%
Net Cash Per Share	15.08	4.61	0.88	-0.76	7.87
Filing Date Shares Outstanding	31.95	26	25.96	27.23	27.44
Total Common Shares Outstanding	31.95	26	25.96	27.25	27.44
Book Value Per Share	16.67	15.35	14.00	12.87	12.10
Tangible Book Value	509.81	374.85	354.97	341.74	322.71
Tangible Book Value Per Share	15.96	14.42	13.67	12.54	11.76

Source: S&P Global Market Intelligence. Banks template. Financial Sources.