VersaBank Defensive Interval Ratio

Latest as of July 2026: 10 days

VersaBank defensive interval ratio. VersaBank (VBNK) has a Defensive Interval Ratio of 10 days as of July 2026. Defensive assets of CA$162.40 Million (cash CA$-, short-term investments CA$134.18 Million, receivables CA$28.22 Million) cover 10 days of daily cash needs of CA$16.20 Million/day. See VBNK working capital efficiency to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

10 days
Days of operational coverage

Defensive Assets

CA$162.40 Million
Cash + ST Investments + Receivables

Daily Cash Need

CA$16.20 Million
Current Liabilities ÷ 365

Current Liabilities

CA$5.91 Billion
CAD

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 July 2026, the ratio stands at 10 days, meaning defensive assets of CA$162.40 Million can fund 10 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 (CAD) Daily Cash Need Cash ST Investments Change (days)
2025 2 days CA$31.74 Million CA$13.32 Million/day CA$- CA$953.00K ▼ -1 days
2024 3 days CA$33.45 Million CA$11.36 Million/day CA$- CA$953.00K ▲ +0 days
2023 3 days CA$25.49 Million CA$9.71 Million/day CA$- CA$953.00K ▼ 0 days
2022 3 days CA$19.43 Million CA$7.30 Million/day CA$- CA$953.00K ▼ -35 days
2021 38 days CA$11.79 Million CA$311.54K/day CA$- CA$953.00K ▲ +36 days
2020 1 days CA$6.81 Million CA$4.56 Million/day CA$- CA$0.00 ▼ 0 days
2019 2 days CA$7.16 Million CA$4.10 Million/day CA$- CA$- ▼ 0 days
2018 2 days CA$7.39 Million CA$4.20 Million/day CA$- CA$- ▲ +0 days
2017 2 days CA$6.31 Million CA$4.01 Million/day CA$- CA$- ▼ 0 days
2016 2 days CA$7.27 Million CA$3.98 Million/day CA$- CA$- ▼ -38 days
2015 40 days CA$6.65 Million CA$167.13K/day CA$- CA$- ▼ -20 days
2014 60 days CA$6.08 Million CA$100.92K/day CA$- CA$- ▲ +58 days
2013 2 days CA$6.01 Million CA$3.29 Million/day CA$- CA$- ▼ -510 days
2012 512 days CA$7.90 Million CA$15.43K/day CA$- CA$- ▲ +510 days
2011 1 days CA$4.60 Million CA$3.50 Million/day CA$- CA$- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)