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VersaBank
VersaBank (VB) investor relations material
VersaBank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary4 Mar, 2026
Executive summary
Achieved record credit assets and revenue in Q1 2026, with credit assets up 23% year-over-year and 5% sequentially, and revenue up 31% year-over-year.
Adjusted net income rose 49% year-over-year and 15% sequentially, reflecting improved operating leverage and successful U.S. SRP expansion.
U.S. Structured Receivable Program (SRP) drove most growth, with U.S. operations now surpassing Canadian efficiency.
New Global CFO appointed; previous CFO now leads Canadian banking operations.
Announced first stablecoin custody customer and advanced commercialization of Real Bank Tokenized Deposits™.
Financial highlights
Total assets reached $6.15 billion, up 24% year-over-year and 6% sequentially.
Book value per share hit a record $16.93, up 6% year-over-year.
CET1 ratio at 12.82%, leverage ratio at 8.17%, both above internal targets.
Consolidated revenue was $36.5 million, up 31% year-over-year and 4% sequentially.
Adjusted EPS was $0.38, up 36% year-over-year; net income was $11.1 million, up 36% year-over-year.
Outlook and guidance
On track to add at least $1 billion in U.S. SRP fundings in fiscal 2026, more than tripling 2025 levels.
Expect net interest margin and non-interest expense to remain relatively flat with potential for cost savings.
Anticipate completion of cybersecurity business divestiture by end of summer, freeing up regulatory capital.
Reorganization to U.S. bank framework progressing, with additional costs expected in Q2 but long-term efficiency gains anticipated.
Expects continued strong growth in core Digital Banking and further commercialization of tokenized deposit and stablecoin custody services.
Drivers of US SRP efficiency outperformance
Reorganization benefits beyond US SRP/digital assets
RBTD commercialization roadmap and custody revenue
US SRP operating leverage: expected margin impact
Digital asset strategy: next commercialization steps
Realignment & cybersecurity divestiture benefits
RBTD strategy for community banks
U.S. SRP liquidity deployment strategy
Canadian loan portfolio macro adjustments
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Next VersaBank earnings date
Q2 20263 Jun, 2026
VersaBank
Next VersaBank earnings date
Q2 20263 Jun, 2026
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Frequently asked questions
VersaBank, a schedule I chartered bank since 1994 and a member of Canada Deposit Insurance Corporation, provides various banking products and services in Canada. It operates through Personal Banking, Business Banking, and Capital Markets segments. The company offers everyday banking options, including high interest checking accounts; term deposits; and secured personal loans.
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