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. Read VBNK current and long-term liabilities for a breakdown of total debt and financial obligations.
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 (VBNK) shareholders funds for net asset value and shareholders' equity analysis.
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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
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