VersaBank - Asset Resilience Ratio

Latest as of July 2026: 1.95%

VersaBank (VBNK) has an Asset Resilience Ratio of 1.95% as of July 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. See VBNK current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

CA$134.18 Million

≈ $97.06 Million USD Cash + Short-term Investments

Total Assets

CA$6.88 Billion

≈ $4.97 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. For the complete balance sheet picture, see how large is VersaBank's balance sheet.

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. Explore VBNK long-term investments to assets to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	CA$0.00	0%
Short-term Investments	CA$134.18 Million	1.95%
Total Liquid Assets	CA$134.18 Million	1.95%

Asset Resilience Insights

Limited Liquidity: VersaBank maintains only 1.95% 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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

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

$744.35 Million

CA$1.03 Billion CAD

Market Cap Rank

#10284 Global

#307 in Canada

Share Price

CA$31.74

Change (1 day)

+2.88%

52-Week Range

CA$15.82 - CA$33.00

All Time High

CA$33.00