VersaBank - Asset Resilience Ratio
VersaBank (VBNK) has an Asset Resilience Ratio of 1.65% as of January 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check VersaBank PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2011–2025)
This chart shows how VersaBank's Asset Resilience Ratio has changed over time. See VersaBank net asset quality index to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down VersaBank's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market value of VersaBank.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $101.28 Million | 1.65% |
| Total Liquid Assets | $101.28 Million | 1.65% |
Asset Resilience Insights
- Limited Liquidity: VersaBank maintains only 1.65% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
VersaBank Industry Peers by Asset Resilience Ratio
Compare VersaBank's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
Annual Asset Resilience Ratio for VersaBank (2011–2025)
The table below shows the annual Asset Resilience Ratio data for VersaBank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-10-31 | 0.02% | $953.00K | $5.81 Billion | 0.00pp |
| 2024-10-31 | 0.02% | $953.00K | $4.84 Billion | 0.00pp |
| 2023-10-31 | 0.02% | $953.00K | $4.20 Billion | -0.01pp |
| 2022-10-31 | 0.03% | $953.00K | $3.27 Billion | -0.01pp |
| 2021-10-31 | 0.04% | $953.00K | $2.42 Billion | -- |
| 2020-10-31 | 0.00% | $0.00 | $1.94 Billion | -- |
| 2012-10-31 | 9.88% | $151.54 Million | $1.53 Billion | +4.09pp |
| 2011-10-31 | 5.78% | $85.95 Million | $1.49 Billion | -- |
About VersaBank
VersaBank provides various banking products and services in Canada and the United States. The company operates through Digital Banking Canada; Digital Banking USA; and DRTC (cybersecurity services and banking and financial technology development) segments. It offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, and tax-free savings accounts, as… Read more