VersaBank (VBNK) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Cash & Short Term Investments | 567.97M | 628.99M | 582.66M | 621.4M | 445.95M | 546.19M | 226.21M | 248.94M | 199.76M | 128.46M | 133.19M | 88.68M | 224.61M | 202.32M | 89.53M | 85.17M | 199.11M | 156.19M | 272.48M | 297.96M |
| Cash & Due from Banks | 567.97M | 628.99M | 581.71M | 460.31M | 340.19M | 386.69M | 225.25M | 247.98M | 198.81M | 127.51M | 132.24M | 87.73M | 223.66M | 201.37M | 88.58M | 84.21M | 198.16M | 155.24M | 271.52M | 297M |
| Short Term Investments | 106.28M | 101.28M | 953K | 161.09M | 105.76M | 159.5M | 953K | 953K | 953K | 953K | 953K | 953K | 953K | 953K | 953K | 953K | 953K | 953K | 953K | 953K |
| Total Investments | 5.76B | 5.42B | 5.12B | 4.92B | 4.61B | 4.48B | 4.51B | 4.18B | 4.1B | 4.1B | 4B | 3.83B | 3.44B | 3.27B | 3.12B | 2.94B | 2.44B | 2.21B | 2.1B | 1.95B |
| Investments Growth % | 24.98% | 20.82% | 13.52% | 17.57% | 12.33% | 9.45% | 12.86% | 9.22% | 19.11% | 25.25% | 28.19% | 30.37% | 41.01% | 48.09% | 48.82% | 50.9% | 33.87% | 23.63% | 24199% | 58970.83% |
| Long-Term Investments | 5.76B | 5.31B | 5.12B | 4.76B | 4.5B | 4.33B | 4.51B | 4.18B | 4.1B | 4.1B | 4B | 3.83B | 3.44B | 3.27B | 3.12B | 2.94B | 2.44B | 2.21B | 2.1B | 1.95B |
| Accounts Receivables | 33.55M | 33.12M | 30.79M | 33.37M | 29.79M | 30.34M | 32.49M | 27.41M | 27.62M | 25.65M | 24.54M | 21.86M | 19.96M | 19.04M | 18.48M | 16.41M | 13.36M | 11.57M | 10.84M | 8.96M |
| Goodwill & Intangibles | 19.96M | 22.55M | 22.86M | 23.14M | 23.46M | 24.02M | 24.36M | 8.25M | 8.35M | 8.45M | 8.54M | 16.31M | 16.03M | 15.38M | 8.94M | 9.05M | 9.17M | 9.28M | 9.39M | 9.48M |
| Goodwill | 12.3M | 12.32M | 12.3M | 12.3M | 12.3M | 12.3M | 12.3M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M | 5.75M |
| Intangible Assets | 7.66M | 10.23M | 10.56M | 10.84M | 11.16M | 11.71M | 12.05M | 2.5M | 2.59M | 2.69M | 2.79M | 10.55M | 10.28M | 9.63M | 3.19M | 3.3M | 3.41M | 3.53M | 3.64M | 3.72M |
| PP&E (Net) | 31.47M | 26.76M | 26.36M | 26.7M | 27.17M | 27.67M | 26.62M | 27.15M | 27.25M | 27.43M | 9.96M | 10.29M | 10.61M | 10.65M | 10.99M | 11.26M | 11.34M | 11.55M | 11.89M | 12.26M |
| Other Assets | 29.66M | 140.75M | 17.88M | 15.78M | 16.82M | 17.12M | 14.4M | 21.52M | 21.17M | 20.2M | 22.13M | -953K | -953K | -953K | 16.39M | -953K | -953K | -953K | -953K | -953K |
| Total Current Assets | 593.97M | 653.95M | 613.45M | 654.77M | 475.74M | 576.53M | 258.7M | 276.35M | 227.38M | 154.11M | 157.73M | 124.56M | 258.17M | 234.31M | 108.01M | 117.65M | 228.65M | 184.65M | 296.01M | 317.61M |
| Total Non-Current Assets | 5.84B | 5.5B | 5.2B | 4.82B | 4.57B | 4.4B | 4.58B | 4.24B | 4.16B | 4.16B | 4.04B | 3.86B | 3.47B | 3.3B | 3.16B | 2.96B | 2.46B | 2.23B | 2.12B | 1.97B |
| Total Assets | 6.44B | 6.16B | 5.81B | 5.48B | 5.05B | 4.97B | 4.84B | 4.52B | 4.39B | 4.31B | 4.2B | 3.98B | 3.73B | 3.53B | 3.27B | 3.08B | 2.69B | 2.42B | 2.42B | 2.29B |
| Asset Growth % | 27.57% | 23.81% | 20.05% | 21.28% | 15.01% | 15.36% | 15.16% | 13.45% | 17.67% | 22.03% | 28.65% | 29.44% | 38.53% | 46.22% | 35.23% | 34.54% | 25.82% | 18.11% | 24.24% | 18.42% |
| Return on Assets (ROA) | 0.12% | 0.19% | 0.09% | 0.13% | 0.17% | 0.17% | 0.12% | 0.22% | 0.27% | 0.3% | 0.3% | 0.26% | 0.28% | 0.28% | 0.2% | 0.2% | 0.19% | 0.23% | 0.25% | 0.25% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9.25M | 20.82M | 7.54M | 9.68M | 7.26M | 4.04M | 5.48M | 7.66M | 8.32M | 5.85M | 6.16M | 110.76M | 102.63M |
| Total Debt | 104.29M | 104.13M | 108.51M | 105.01M | 104.91M | 109.68M | 108.58M | 104.87M | 104.52M | 106.95M | 110.62M | 105.53M | 108.65M | 107.06M | 109.42M | 103.35M | 103.08M | 102.67M | 100.39M | 100.96M |
| Net Debt | -463.68M | -524.86M | -473.2M | -355.3M | -235.27M | -277.02M | -116.67M | -143.11M | -94.29M | -20.56M | -21.62M | 17.8M | -115.01M | -94.31M | 20.84M | 19.14M | -95.08M | -52.57M | -171.14M | -196.05M |
| Long-Term Debt | 100.65M | 100.32M | 103.52M | 102.15M | 101.84M | 106.82M | 102.5M | 101.64M | 101.11M | 103.36M | 106.85M | 101.58M | 104.53M | 102.77M | 104.95M | 98.71M | 98.41M | 97.73M | 95.27M | 95.68M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 5.78B | 5.51B | 306.39M | 216.85M | 208.63M | 207.21M | 185.89M | 171.81M | 169.03M | 166.74M | 170.05M | 174.33M | 151.28M | 141.81M | 139.91M | 141.2M | 116.08M | 121.71M | 17.73M | 11.56M |
| Total Current Liabilities | 5.52B | 5.25B | 4.86B | 4.63B | 4.21B | 4.13B | 4.14B | 3.83B | 3.71B | 3.65B | 3.54B | 3.34B | 3.11B | 2.93B | 2.67B | 2.48B | 2.13B | 1.85B | 1.96B | 1.92B |
| Total Non-Current Liabilities | 5.89B | 5.61B | 414.94M | 321.94M | 313.64M | 317M | 294.61M | 277.01M | 273.91M | 274.4M | 281.4M | 280.52M | 260.61M | 249.58M | 250.12M | 245.31M | 219.97M | 225.24M | 119.01M | 113.36M |
| Total Liabilities | 5.89B | 5.61B | 5.28B | 4.95B | 4.52B | 4.45B | 4.44B | 4.11B | 3.99B | 3.92B | 3.82B | 3.62B | 3.37B | 3.18B | 2.92B | 2.73B | 2.35B | 2.08B | 2.08B | 2.03B |
| Total Equity | 552.06M | 543.93M | 532.67M | 528.14M | 528.31M | 521.29M | 399.2M | 408.99M | 400.1M | 389.03M | 377.16M | 365.04M | 356.52M | 351.18M | 350.68M | 346.65M | 341.41M | 336.95M | 332.11M | 252.03M |
| Equity Growth % | 4.5% | 4.34% | 33.43% | 29.13% | 32.04% | 34% | 5.85% | 12.04% | 12.22% | 10.78% | 7.55% | 5.31% | 4.42% | 4.22% | 5.59% | 37.54% | 38.02% | 29.84% | 30.09% | 0.17% |
| Equity / Assets (Capital Ratio) | 8.57% | 8.84% | 9.17% | 9.64% | 10.47% | 10.49% | 8.25% | 9.06% | 9.12% | 9.03% | 8.98% | 9.17% | 9.56% | 9.94% | 10.74% | 11.27% | 12.68% | 13.95% | 13.75% | 11.03% |
| Return on Equity (ROE) | 1.37% | 2.06% | 0.98% | 1.25% | 1.63% | 1.77% | 1.36% | 2.4% | 3% | 3.31% | 3.36% | 2.77% | 2.9% | 2.68% | 1.84% | 1.66% | 1.46% | 1.66% | 2.02% | 2.18% |
| Book Value per Share | 23.38 | 23.18 | 16.35 | 16.32 | 16.25 | 17.94 | 15.37 | 15.75 | 15.41 | 14.98 | 14.53 | 14.06 | 13.62 | 12.99 | 12.87 | 12.63 | 12.44 | 12.28 | 12.10 | 11.93 |
| Tangible BV per Share | 22.54 | 22.22 | 15.65 | 15.60 | 15.52 | 17.11 | 14.44 | 15.43 | 15.09 | 14.66 | 14.20 | 13.43 | 13.01 | 12.43 | 12.54 | 12.30 | 12.11 | 11.94 | 11.76 | 11.48 |
| Common Stock | 331.15M | 329.06M | 325.91M | 326.04M | 329.8M | 330.49M | 215.61M | 214.82M | 214.82M | 214.82M | 214.82M | 214.54M | 215.23M | 218.87M | 225.98M | 227.67M | 227.67M | 227.67M | 227.67M | 152.61M |
| Additional Paid-in Capital | 979.67K | 1.82M | 2.47M | 2.54M | 2.54M | 2.54M | 2.48M | 2.79M | 2.72M | 2.65M | 2.51M | 2.34M | 2.15M | 1.96M | 1.61M | 1.19M | 765K | 341K | 145K | 145K |
| Retained Earnings | 220.65M | 214.34M | 203.73M | 200.41M | 196.28M | 188.57M | 181.24M | 177.58M | 168.78M | 157.84M | 146.04M | 134.46M | 125.4M | 116.64M | 109.33M | 104.07M | 99.28M | 95.28M | 90.64M | 85.63M |
| Accumulated OCI | -726.76K | -1.28M | 562K | -847K | -317K | -302K | -130K | 141K | 139K | 73K | 131K | 52K | 94K | 72K | 99K | 67K | 43K | 13K | -4K | 2K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M | 13.65M |