VersaBank (VBNK) — Defensive Interval Ratio
VersaBank (VBNK) has a Defensive Interval Ratio of 2 days as of October 2025. Defensive assets of $31.74 Million (cash $-, short-term investments $953.00K, receivables $30.79 Million) cover 2 days of daily cash needs of $13.32 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
VersaBank Defensive Interval Ratio (2011–2025)
This chart shows how VersaBank's Defensive Interval Ratio has evolved across 15 annual periods from 2011 to 2025. As of October 2025, the ratio stands at 2 days, meaning defensive assets of $31.74 Million can fund 2 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of VersaBank.
Annual Defensive Interval Ratio for VersaBank (2011–2025)
The table below presents the year-by-year Defensive Interval Ratio for VersaBank from 2011 to 2025, covering 15 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See VersaBank short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 2 days | $31.74 Million | $13.32 Million/day | $- | $953.00K | ▼ -1 days |
| 2024 | 3 days | $33.45 Million | $11.36 Million/day | $- | $953.00K | ▲ +0 days |
| 2023 | 3 days | $25.49 Million | $9.71 Million/day | $- | $953.00K | ▼ 0 days |
| 2022 | 3 days | $19.43 Million | $7.30 Million/day | $- | $953.00K | ▲ +0 days |
| 2021 | 2 days | $11.79 Million | $5.38 Million/day | $- | $953.00K | ▲ +1 days |
| 2020 | 1 days | $6.81 Million | $4.56 Million/day | $- | $0.00 | ▼ 0 days |
| 2019 | 2 days | $7.16 Million | $4.10 Million/day | $- | $- | ▼ 0 days |
| 2018 | 2 days | $7.39 Million | $4.20 Million/day | $- | $- | ▼ -23 days |
| 2017 | 25 days | $6.31 Million | $253.47K/day | $- | $- | ▲ +23 days |
| 2016 | 2 days | $7.27 Million | $3.98 Million/day | $- | $- | ▼ -36 days |
| 2015 | 38 days | $6.65 Million | $176.93K/day | $- | $- | ▼ -19 days |
| 2014 | 56 days | $6.08 Million | $108.17K/day | $- | $- | ▲ +54 days |
| 2013 | 2 days | $6.01 Million | $3.29 Million/day | $- | $- | ▼ -62 days |
| 2012 | 64 days | $230.57 Million | $3.62 Million/day | $- | $151.54 Million | ▲ +12 days |
| 2011 | 52 days | $180.01 Million | $3.49 Million/day | $- | $85.95 Million | — |