Welcome to our dedicated page for VersaBank SEC filings (Ticker: VBNK), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
VersaBank filings document its foreign issuer current reports and Canadian bank disclosures furnished to the SEC on Form 6-K. The records cover digital banking operations, Structured Receivable Program announcements, stablecoin custody services, cyber security and financial technology activities, and capital actions such as Normal Course Issuer Bid approvals.
The filing record also includes meeting notices, forms of proxy, management proxy circulars, voting results, auditor appointments, director elections, by-law matters, and references to annual financial statements. These materials describe governance, shareholder voting mechanics, reported operating results, capital-structure actions, and material business updates for the bank's branchless B2B model.
VersaBank (VBNK) reports that its management will participate in the Raymond James US Bank and Banking on Tech Conference in Chicago, to be held on September 8-10, 2026, and will take part in one-on-one investor meetings throughout the event.
The company describes itself as a federally chartered, branchless, business-to-business digital bank operating in Canada and the U.S., leveraging proprietary technology to source deposits electronically through financial intermediary partners. VersaBank also highlights its Structured Receivable Program for point-of-sale finance companies in the U.S. and its ownership of DRT Cyber Inc., which provides cyber security services and digital-asset-related technology.
VersaBank (VBNK) reported higher profitability and balance sheet growth for the quarter ended July 31, 2026. Quarterly net income rose to $10.1 million from $6.6 million a year earlier, with basic and diluted EPS increasing to $0.31 from $0.20. Total revenue grew to $38.8 million from $31.6 million, driven by net interest income of $36.8 million versus $29.8 million and supported by a small recovery of credit losses rather than an expense.
Total assets reached $6.88 billion (July 2025: $5.48 billion), fuelled mainly by credit assets of $6.16 billion and deposits of $5.91 billion. Capital ratios remained above regulatory minima, with a CET1 ratio of 11.47% and total capital ratio of 13.32%, though both declined from October 31, 2025. VersaBank continued expanding its Structured Receivable Program in Canada and the US, launched a Real-Time SRP capability, advanced tokenized deposit and custody initiatives, and outlined plans to divest certain DRTC cybersecurity assets while pursuing a corporate reorganization to a standard US bank framework, subject to shareholder and regulatory approvals.
VersaBank (VBNK) reports that its recently launched Real-Time Structured Receivable Program (SRP) has been implemented for the first time in the United States through its partner ECN Capital. The Real-Time SRP is described as a new funding solution for point-of-sale financing companies that allows individual loans to be financed within hours, rather than warehousing receivables over several days.
VersaBank states that demand from existing and prospective partners has been strong since launch, with partners highlighting economic, efficiency and risk-mitigation benefits compared with conventional securitization. The bank also notes that the real-time structure lets it apply its internal AI platform to evaluate underlying partner loans individually, which it states further strengthens its risk mitigation capabilities.
VersaBank (VBNK) announced plans to release its third quarter fiscal 2026 financial results on Thursday, September 3, 2026 at approximately 7:00 a.m. ET, followed by a conference call/webcast at 9:00 a.m. ET lasting about 60 minutes. The call will feature presentations by President David Taylor and Global CFO Nicolas Ospina and include a question-and-answer period.
Investors can join by telephone using conference ID 1372854 or via a live webcast on VersaBank’s investor relations website. An archived webcast and telephone replay will be available, with the teleconference replay accessible until October 3, 2026. VersaBank also reiterates its branchless, digital, business-to-business banking model and its U.S. Structured Receivable Program and cyber security subsidiary DRT Cyber Inc. in the company description.
VersaBank (VBNK) announced that it has signed a Reorganization Agreement with Versa Bancorp and has filed and mailed a management information circular and related materials for a special shareholder meeting to approve a proposed corporate reorganization into a standard U.S. bank framework. The meeting will be held on September 16, 2026 at 10:30 a.m. ET in London, Ontario, for shareholders of record as of August 10, 2026. If approved, Versa Bancorp will become the direct or indirect holding company of VersaBank and VersaBank USA National Association and will succeed VersaBank as the publicly traded company in which existing shareholders hold their equity interests. A Registration Statement for the reorganization, containing the Circular and a Prospectus, was declared effective by the SEC on August 4, 2026.
VersaBank (VBNK) is advancing a corporate reorganization under which Versa Bancorp will become the direct or indirect holding company of VersaBank and VersaBank USA National Association, aligning the group with a standard U.S. bank holding company framework.
A special meeting of shareholders will be held in person on September 16, 2026 at 10:30 a.m. ET in London, Ontario to consider and vote on the proposed reorganization. Shareholders of record at the close of business on August 10, 2026 are entitled to receive notice of and vote at the meeting. VersaBank’s board of directors unanimously recommends that shareholders vote “FOR” the proposal.
VersaBank and Versa Bancorp have signed a Reorganization Agreement, and a Registration Statement containing the management information circular and prospectus relating to the reorganization was declared effective by the SEC on August 4, 2026. These materials have been filed and mailed to shareholders and are available through the SEC, Canadian regulators and from VersaBank.
VersaBank (VBNK) has entered into a Reorganization Agreement with a newly formed Delaware corporation, Versa Bancorp, under which Versa Bancorp will become the holder of all outstanding VersaBank common shares. The reorganization will be implemented through a By-Laws amendment creating Exchangeable Shares, which existing common shares will be exchanged into, followed by a share exchange so Versa Bancorp owns all VersaBank common shares.
Versa Bancorp will file a Form S-4 registration statement with the U.S. SEC for the issuance of its common shares to U.S. VersaBank shareholders and will assume obligations under VersaBank’s Omnibus Long-Term Incentive Plan, issuing Versa Bancorp shares (or cash equivalents) on award settlement. Completion is subject to multiple conditions, including Bank Act approvals, U.S. Federal Reserve approvals, Competition Act clearance or a No Action Letter, TSX conditional listing approval for Versa Bancorp shares, and approval of a special Reorganization Resolution by at least two-thirds of votes cast at a VersaBank special meeting.
Versa Bancorp must deposit in escrow enough Versa Bancorp shares to satisfy the agreed consideration for shareholders (excluding dissenting shareholders). The transactions are intended to qualify as tax “reorganizations” and exchanges under specified sections of the U.S. Internal Revenue Code. Separately, VersaBank delivered an officer’s certificate stating it is relying on section 2.20 of National Instrument 54-101 to abridge the usual notice and communication timelines to beneficial owners for the special meeting.
VersaBank (VBNK) has called a September 16, 2026 special shareholder meeting to approve a reorganization that would make Versa Bancorp, a newly formed Delaware corporation, the holding company and new publicly traded parent of VersaBank via a one-for-one Share Exchange.
Each VersaBank share would be exchanged for an exchangeable share and then for one Versa Bancorp common share, except for validly dissenting shareholders, who would instead be entitled to receive the fair value of their shares. Up to 32,693,689 Versa Bancorp shares are being registered for issuance in the reorganization.
After completion, Versa Bancorp is expected to trade on TSX and Nasdaq under “VBNK”, become the SEC reporting issuer under Rule 12g‑3(a), and VersaBank may later cease to be a Canadian reporting issuer. The board unanimously recommends voting “FOR” the reorganization, which requires approval by at least two‑thirds of votes cast.
VersaBank announced that the U.S. SEC has declared effective its Form S-4 Registration Statement for a proposed corporate reorganization. The plan would create Versa Bancorp, a new Delaware corporation, as the direct holding company of VersaBank and VersaBank USA National Association.
A special shareholder meeting is scheduled in London, Ontario on September 16, 2026 to vote on the reorganization, with shareholders of record on August 10, 2026 entitled to vote. Completion remains subject to shareholder approval and additional regulatory approvals, including from the Canadian Minister of Finance and the U.S. Federal Reserve Board, and may not occur in a timely manner, if at all.
VersaBank announced that its Form S-4 Registration Statement, filed in connection with a proposed corporate reorganization to a standard U.S. bank framework, has been declared effective by the SEC. The Reorganization would make Versa Bancorp, a new Delaware corporation, the direct holding company of VersaBank and VersaBank USA National Association and successor publicly traded company.
VersaBank plans a special shareholder meeting on September 16, 2026, at 10:30 a.m. ET in London, Ontario, for shareholders of record as of August 10, 2026 to vote on the Reorganization. Completion remains subject to shareholder approval and various regulatory approvals, including from the Canadian Minister of Finance and the U.S. Federal Reserve Board, and there is no assurance approvals will be obtained.
The Registration Statement includes a Management Information Circular and Prospectus describing the Reorganization. Shareholders are urged to review the final materials, which will be mailed and made available through the SEC, SEDAR+, and VersaBank’s investor relations contacts.