VersaBank Balance Sheet

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

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan '26 Jan 31, 2026	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	628	581.71	225.25	132.24	88.58	271.52
Securities and Investments	101.28	80.92	299.3	167.94	141.56	-
Net Loans	5,333	5,066	4,236	3,850	2,993	2,103
Net Property, Plant & Equipment	23.16	23.94	23.89	6.54	-	-
Other Intangible Assets	10.21	10.56	12.05	2.79	-	-
Goodwill	12.3	12.3	12.3	5.75	-	-
Other Non-Earning Assets	37.78	32.67	29.57	35.94	43.18	40.51
Total Assets	6,146	5,808	4,838	4,202	3,266	2,415
Total Deposits	5,249	4,861	4,145	3,533	2,658	1,853
Long-Term Debt	100.16	103.52	102.5	106.85	104.95	95.27
Other Liabilities	253.82	311.42	192.11	184.24	152.83	134.5
Total Liabilities	5,603	5,276	4,439	3,824	2,915	2,083
Common Stock	328.54	325.91	215.61	228.47	239.63	241.32
Additional Paid-in Capital	1.82	2.47	2.49	2.51	1.61	0.15
Accumulated Other Comprehensive Income	-1.28	0.56	-0.13	0.13	0.1	-0
Retained Earnings	214	203.73	181.24	146.04	109.34	90.64
Shareholders' Equity	543.08	532.67	399.2	377.16	350.68	332.11
Total Liabilities & Equity	6,146	5,808	4,838	4,202	3,266	2,415
Total Debt	100.16	103.52	102.5	106.85	104.95	95.27
Net Cash (Debt)	-100.16	-103.52	-102.5	-106.85	-104.95	-95.27
Net Cash Per Share	-3.08	-3.27	-3.84	-3.98	-3.83	-4.09
Book Value	543.08	532.67	399.2	377.16	350.68	332.11
Book Value Per Share	16.68	16.85	14.96	14.04	12.79	14.25
Tangible Book Value	520.56	509.81	374.85	368.61	350.68	332.11
Tangible Book Value Per Share	15.99	16.12	14.05	13.73	12.79	14.25

Updated Mar 4, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.