VersaBank - Asset Resilience Ratio

Latest as of April 2026: 1.65%

VersaBank (VBNK) has an Asset Resilience Ratio of 1.65% as of April 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.

Liquid Assets

CA$106.28 Million

≈ $76.88 Million USD Cash + Short-term Investments

Total Assets

CA$6.44 Billion

≈ $4.66 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2020–2025)

This chart shows how VersaBank's Asset Resilience Ratio has changed over time. Check VBNK PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.

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 VBNK market cap overview.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	CA$0.00	0%
Short-term Investments	CA$106.28 Million	1.65%
Total Liquid Assets	CA$106.28 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
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

Annual Asset Resilience Ratio for VersaBank (2020–2025)

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%	CA$953.00K ≈ $689.39K	CA$5.81 Billion ≈ $4.20 Billion	0.00pp
2024-10-31	0.02%	CA$953.00K ≈ $689.39K	CA$4.84 Billion ≈ $3.50 Billion	0.00pp
2023-10-31	0.02%	CA$953.00K ≈ $689.39K	CA$4.20 Billion ≈ $3.04 Billion	-0.01pp
2022-10-31	0.03%	CA$953.00K ≈ $689.39K	CA$3.27 Billion ≈ $2.36 Billion	-0.01pp
2021-10-31	0.04%	CA$953.00K ≈ $689.39K	CA$2.42 Billion ≈ $1.75 Billion	--
2020-10-31	0.00%	CA$0.00 ≈ $0.00	CA$1.94 Billion ≈ $1.41 Billion	--

pp = percentage points

About VersaBank

TO:VBNK Canada Banks - Regional

Market Cap

$629.99 Million

CA$870.89 Million CAD

Market Cap Rank

#10900 Global

#319 in Canada

Share Price

CA$27.05

Change (1 day)

-0.77%

52-Week Range

CA$13.94 - CA$33.00

All Time High

CA$33.00