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 has entered a definitive agreement to sell certain assets tied to its only bank branch in Holdingford, Minnesota, to Stearns Bank National Association, with approval from the Office of the Comptroller of the Currency.
The sale aligns with VersaBank’s branchless, partner-based digital banking model and is intended to enhance efficiency as it expands its Structured Receivable Program business in the U.S. VersaBank expects a one-time, non-cash intangible asset write-off of approximately $1.7 million in the second quarter of fiscal 2026, with de minimis impact on tangible book value. The transaction is anticipated to close in Q226 and otherwise have de minimis financial implications beyond improved efficiency.
VersaBank filed a Form 6-K to share a press release announcing new technology enhancements for its Real Bank Tokenized Deposits™ (RBTD™s). The bank has begun adding foreign exchange functionality and other upgrades to its proprietary VersaView™ blockchain interface, which connects to VersaVault®-managed wallets.
The new capabilities will initially support integrated U.S. and Canadian pilot programs for RBTD™s, enabling holders to convert between U.S. and Canadian dollar tokenized deposits quickly, with minimal fees, and on a 24/7 basis. VersaBank has engaged Block Time Financial, the original developer of VersaView™, to implement the foreign exchange features and add rewards functionality for RBTD™ depositors, alongside existing interest-payment features.
VersaBank reported strong first-quarter fiscal 2026 results, furnishing its interim financial statements and MD&A on a Form 6-K. Total revenue rose to $36.5 million, with net interest income of $33.9 million and net income of $11.1 million, up from $8.1 million a year earlier.
Basic and diluted earnings per share increased to $0.35 from $0.28, helped by growth in its Structured Receivable Program in both Canada and the U.S. Credit assets reached $5.33 billion, while credit losses remained low at $0.7 million. Capital ratios stayed strong, with a CET1 ratio of 12.82% and a total capital ratio of 15.47%.
The bank incurred $1.5 million of non-interest expenses tied to a strategic reorganization aimed at enhancing long-term efficiency. It is preparing to cease or divest certain cybersecurity operations within DRTC, and has also agreed to sell specified assets and related deposits from the VersaBank USA Holdingford branch, subject to regulatory approvals.
VersaBank announced that it will release its first quarter fiscal 2026 financial results on Wednesday, March 4, 2026 at approximately 7:00 a.m. ET and will host a conference call/webcast at 9:00 a.m. ET to discuss the results.
The 60-minute call will feature presentations by President David Taylor and Global CFO Nicolas Ospina, followed by a question-and-answer period, with access provided by telephone and live webcast, plus replay options available for 90 days for the webcast and until April 4, 2026 for the teleconference.
AllianceBernstein L.P. reported beneficial ownership of 2,986,080 shares of VersaBank common stock, representing 9.3% of the class as of 12/31/2025. AllianceBernstein has sole power to vote and dispose of these shares, which are held for investment in client discretionary advisory accounts.
The firm states that the holdings were acquired and are held in the ordinary course of business, and not for the purpose of changing or influencing control of VersaBank. AllianceBernstein is a Delaware limited partnership and a majority-owned subsidiary of Equitable Holdings, Inc., operating under independent management.
VersaBank has signed a definitive agreement to act as custodian for Stablecorp Digital Currencies Inc.’s QCAD Canadian-dollar stablecoin, using its proprietary VersaVault digital asset custody technology.
QCAD is described as Canada’s first regulatory compliant Canadian-dollar stablecoin. VersaBank will earn both fees based on the value of QCAD assets held in custody and a spread on related QCAD deposits. The bank characterizes digital asset custody services as a new, highly efficient revenue stream with significant long-term growth potential alongside its existing tokenized deposit initiatives.
VersaBank filed a Form 6-K to share a press release about an upcoming investor presentation. Founder and President David Taylor will present at the Digital Asset Virtual Investor Conference on January 27, 2026, at 10:30 a.m. ET, with a live webcast available on the bank’s website.
His presentation will cover VersaBank’s Real Bank Deposit Tokens™ (RBDT™) and Stablecoin Custody Services, both built on the bank’s proprietary, SOC2 (Type I) certified VersaVault® digital asset security technology. The RBDTs are described as one-for-one digital representations of cash deposits at VersaBank, expected to be eligible for conventional federal deposit insurance (subject to regulator confirmation) and able to pay interest. The release also notes VersaBank’s federally chartered, branchless digital banking model in Canada and the US, its Receivable Purchase Program expansion to the US in August 2024, and its ownership of cybersecurity provider DRT Cyber Inc.
VersaBank submitted a Form 6-K to provide investors with a copy of a recent press release. On November 26, 2025, the bank announced it is donating $50,000 to The Salvation Army's Harvest Hope campaign, which focuses on helping to combat food insecurity across Canada. The press release describing this charitable contribution is included as Exhibit 99.1.
The information in this Form 6-K, including the exhibit, is being furnished rather than filed, meaning it is not subject to certain liability provisions of U.S. securities law and is not automatically incorporated by reference into other U.S. securities filings.
VersaBank submitted a Form 6-K as a foreign private issuer for November 2025. The report notes that on November 20, 2025, the bank issued a press release titled “VersaBank applauds Canadian Prime Minister Mark Carney and Finance Minister Francois-Philippe Champagne on planned Stablecoin Regulation / Bank initiates collaborations for Stablecoin custody solutions.” A copy of this press release is furnished as Exhibit 99.1 and is provided for information purposes only, as it is expressly stated not to be deemed “filed” or incorporated by reference under U.S. securities laws.
VersaBank has furnished a Form 6-K to highlight a new, enhanced CMHC Lending Program. According to the referenced press release, the program is expected to generate a minimum of $2 million in incremental revenue in Fiscal 2026 with de minimis additional operating costs. The filing makes clear that the press release attached as Exhibit 99.1 is furnished, not filed, and is not incorporated by reference into other securities law filings.