VersaBank Defensive Interval Ratio
VersaBank 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. See VBNK working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of VersaBank (2011–2025)
Defensive interval ratio of VersaBank from 2011 to 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. Check VersaBank asset resilience ratio to evaluate the company's liquid asset resilience ratio.
VersaBank Defensive Interval Ratio by Year (2011–2025)
VersaBank defensive interval ratio by year from 2011 to 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. For the complete balance sheet picture, see VersaBank asset portfolio.
| 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 | — |