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 filed a Form 6-K after its U.S. subsidiary, VersaBank USA, entered an agreement with a wholly owned subsidiary of ECN Capital to use VersaBank’s Structured Receivable Program (SRP) in the United States.
The ECN Capital subsidiary is expected to add at least US$300 million in additional U.S. SRP fundings annually, with initial funding anticipated in the coming weeks. VersaBank and ECN Capital believe the program could eventually grow well beyond US$500 million per year. Management highlighted plans to introduce an industry-first real-time funding capability, designed to allow partners to finance individual loans within hours and reduce reliance on warehouse financing.
VersaBank describes itself as a branchless, digitally focused, business-to-business bank operating in Canada and the U.S., targeting underserved segments using proprietary technology, and also offering cybersecurity solutions and digital-asset-related technology through its DRT Cyber subsidiary.
VersaBank furnished a Form 6-K highlighting a community initiative rather than financial results. The bank donated $60,000 to The Salvation Army’s Harvest Hope Campaign, a national food security program now in its third year, and presented the cheque at its Summer Celebration event in London, Ontario.
About 700 people attended the event, which is open to staff, partners, service providers, charities and investors. The release includes background on The Salvation Army’s work across Canada and on VersaBank’s branchless, technology-driven banking model and its DRT Cyber Inc. cyber security subsidiary.
VersaBank has launched an industry “breakthrough” Real-Time Structured Receivable Program (SRP) for point-of-sale finance companies in Canada and the United States. The bank’s long-time partner Financeit Canada Inc. is the first large-scale user after a successful pilot completed ahead of schedule.
The AI-enabled Real-Time SRP is now available to other existing and prospective partners, aiming to deepen relationships with current clients and attract new ones across North America. Financeit, which is approaching $2 billion in annual loan originations, expects this broad implementation to make an immediate and meaningful contribution to its business, while VersaBank targets growth in its addressable point-of-sale market.
VersaBank filed a Form 6-K to share a press release highlighting that its Founder and President, David Taylor, was honoured and spoke at the launch of the book Monarchy and Democracy: A History of Leadership in the grounds of Westminster Abbey in London, UK.
The book, an official History of Parliament project produced with St. James’s House, profiles organisations recognized for leadership, innovation, sustainability and governance, including VersaBank. The release also reiterates VersaBank’s branchless, digital, business-to-business banking model and its U.S. Structured Receivable Program and DRT Cyber Inc. operations.
VersaBank has filed a Form S-4 registration statement with the U.S. Securities and Exchange Commission as part of a proposed corporate reorganization. The plan would create a new Delaware holding company, Versa Bancorp, which would own VersaBank and VersaBank USA National Association, moving the group toward a standard U.S. bank framework.
The reorganization is intended to enhance long-term shareholder value by increasing investor familiarity through U.S. domestic company reporting and potential future index inclusion, and by supporting efforts to raise capital for strategic plans. The transaction is not yet effective and remains subject to SEC effectiveness of the registration statement, shareholder approval at a future special meeting, and multiple Canadian and U.S. regulatory approvals.
VersaBank filed a Form 6-K furnishing its interim consolidated financial statements and MD&A for the three and six months ended April 30, 2026. For the quarter, total revenue was $38.3 million and net income was $7.5 million, or $0.23 per share.
For the first six months, net income was $18.6 million, or $0.58 per share. Total assets reached $6.44 billion, credit assets were $5.68 billion, and deposits were $5.52 billion. The bank reported a CET1 capital ratio of 12.32% and a leverage ratio of 7.94%, both above regulatory minimums.
VersaBank filed a Form 6-K to furnish a press release announcing that Founder and President David Taylor was named Executive of the Year by the Canadian Lenders Association at the Canadian Finance Summit on May 28, 2026. Taylor highlighted the award as recognition of another milestone year for VersaBank, pointing to its innovation in North American point-of-sale finance and its real-time point-of-sale financing initiative.
The release reiterates VersaBank’s branchless, business-to-business digital banking model in Canada and the U.S., its August 2024 launch of the Structured Receivable Program into the U.S. market, and its DRT Cyber Inc. cybersecurity and digital-asset technology business, including Real Bank Tokenized Deposits™.
VersaBank announced it will release its second quarter fiscal 2026 financial results and discuss them on a conference call and webcast on Wednesday, June 3, 2026. The bank plans to issue its results via news release at approximately 7:00 a.m. ET, followed by a conference call/webcast at 9:00 a.m. ET expected to last about 60 minutes.
The call will feature presentations from David Taylor, President, and Nicolas Ospina, Global CFO, followed by a question-and-answer session. Investors and interested parties can participate by telephone using Canadian and toll-free numbers or access a live webcast and slide presentation through VersaBank’s website, with an archived webcast available for 90 days and a telephone replay available until July 3, 2026.
VersaBank has started a pilot program with long-time partner FinanceIt Canada Inc. to test its new AI-enabled Real-Time Structured Receivable Program for point-of-sale financing. The solution aims to fund individual loans within hours, reducing the need for partners to warehouse receivables and lowering financing costs.
The Real-Time SRP also lets VersaBank apply its internal AI to analyze underlying loans one by one, supporting its risk mitigation approach. As of January 31, 2026, VersaBank’s Structured Receivable Program portfolio exceeded CAD$4.4 billion and has grown at a compounded annual rate of 33% over the last five years.
VersaBank received Toronto Stock Exchange approval to renew its Normal Course Issuer Bid, allowing it to repurchase for cancellation up to 2,000,000 common shares, about 9.14% of its public float. The bank cites strong demand for its U.S. Structured Receivable Program and growth opportunities in its Real Bank Tokenized Deposit and stablecoin custody initiatives as reasons for viewing the stock as undervalued.
As of April 16, 2026, the public float was 21,876,251 common shares out of 32,167,347 issued and outstanding. Purchases may occur between April 30, 2026 and April 29, 2027 through the TSX and Nasdaq at prevailing market prices, subject to an average daily limit of 6,627 shares, and all repurchased shares will be cancelled.