VersaBank Asset Resilience Ratio

Latest as of July 2026: 1.95%

VersaBank asset resilience ratio. 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 VersaBank (VBNK) defensive interval to measure how many days the company can operate on defensive assets alone.

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 of VersaBank (2020–2025)

Asset resilience ratio of VersaBank from 2020 to 2025. This chart shows how VersaBank's Asset Resilience Ratio has changed over time. Read VBNK current and long-term liabilities for a breakdown of total debt and financial obligations.

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 the complete balance sheet picture, see VBNK total assets.

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
Commerzbank AG XETRA:CBK	Banks - Regional	5.22%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
BNK Banking Corporation Ltd AU:BBC	Banks - Regional	8.96%
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%
BBVA Banco Frances SA BA:BBAR	Banks - Regional	7.45%
Banco Patagonia BA:BPAT	Banks - Regional	0.44%

VersaBank Asset Resilience Ratio by Year (2020–2025)

VersaBank asset resilience ratio by year from 2020 to 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

$722.77 Million

CA$999.16 Million CAD

Market Cap Rank

#10016 Global

#301 in Canada

Share Price

CA$30.82

Change (1 day)

+1.75%

52-Week Range

CA$15.82 - CA$33.25

All Time High

CA$33.25