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	Apr '26 Apr 30, 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	568.16	581.71	225.25	132.24	88.58	271.52
Investment Securities	106.28	81.88	300.25	168.89	142.52	0.95
Trading Asset Securities	5.15	-	0.02	1.52	-	-
Total Investments	111.43	81.88	300.27	170.41	142.52	0.95
Gross Loans	5,658	5,050	4,218	3,832	2,980	2,096
Allowance for Loan Losses	-8.34	-7.28	-3.3	-2.51	-1.9	-1.45
Net Loans	5,650	5,043	4,214	3,830	2,978	2,095
Property, Plant & Equipment	31.48	26.36	26.62	9.96	10.99	11.89
Goodwill	12.3	12.3	12.3	5.75	5.75	5.75
Other Intangible Assets	7.67	10.56	12.05	2.79	3.19	3.64
Accrued Interest Receivable	26.01	23.42	21.78	20.68	14.7	8.2
Other Receivables	7.55	7.37	10.72	3.86	3.77	2.64
Other Current Assets	22.12	17.88	14.4	22.13	16.39	12.7
Long-Term Deferred Tax Assets	4.12	4.04	0.75	4.06	2.13	2.93
Total Assets	6,441	5,808	4,838	4,202	3,266	2,415
Accounts Payable	7.35	12.52	10.75	9.68	7.66	6.89
Interest Bearing Deposits	5,521	4,792	4,145	3,456	2,658	1,853
Total Deposits	5,521	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	1.47	0.13	0.89	7.47	5.8	2.95
Accrued Interest Payable	-	69.3	-	76.95	-	-
Other Current Liabilities	249.15	290.67	171.21	153.77	126.11	110.76
Long-Term Debt	100.69	103.52	102.5	106.85	104.95	95.27
Long-Term Leases	3.64	2.06	3.04	3.77	4.47	5.11
Long-Term Deferred Tax Liabilities	0.04	0.03	0.14	0.73	0.79	0.9
Other Long-Term Liabilities	5.23	5	6.08	8.82	8.01	7.89
Total Liabilities	5,888	5,276	4,439	3,824	2,915	2,083
Preferred Stock, Convertible	-	-	-	13.65	-	-
Common Stock	331.26	325.91	215.61	214.82	239.63	241.32
Additional Paid-In Capital	0.98	2.47	2.49	2.51	1.61	0.15
Retained Earnings	220.72	203.73	181.24	146.04	109.34	90.64
Comprehensive Income & Other	-0.73	0.56	-0.13	0.13	0.1	-0
Total Common Equity	552.24	532.67	399.2	363.51	350.68	332.11
Shareholders' Equity	552.24	532.67	399.2	377.16	350.68	332.11
Total Liabilities & Equity	6,441	5,808	4,838	4,202	3,266	2,415
Total Debt	104.32	106.6	105.54	110.62	109.42	100.39
Net Cash (Debt)	468.99	475.11	119.74	23.14	-20.84	171.14
Net Cash Growth	99.50%	296.80%	417.49%	-	-	-28.97%
Net Cash Per Share	14.59	15.08	4.61	0.88	-0.76	7.87
Filing Date Shares Outstanding	32.2	31.95	26	25.96	27.23	27.44
Total Common Shares Outstanding	32.2	31.95	26	25.96	27.25	27.44
Book Value Per Share	17.15	16.67	15.35	14.00	12.87	12.10
Tangible Book Value	532.27	509.81	374.85	354.97	341.74	322.71
Tangible Book Value Per Share	16.53	15.96	14.42	13.67	12.54	11.76