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VersaBank (VB) investor relations material
VersaBank Planet MicroCap Showcase: TORONTO 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Planet MicroCap Showcase: TORONTO 2025 summary22 Oct, 2025
Business model and growth strategy
Operates as a branchless digital bank using a partner-based model, earning a 2.5% spread, which is significantly higher than industry averages in Canada.
Avoids bad loans by requiring partners to repurchase loans in arrears, minimizing credit risk and eliminating the need for collection departments.
Expanded into the U.S. market after obtaining a rare national bank license, leveraging its point-of-sale lending model, and launched a securitization product to match U.S. market practices.
Growth has been robust, with 15% year-over-year increases, especially in home improvement lending, and a current U.S. loan book of about $250 million.
Uses deposit brokers for funding, with major partners in both Canada and the U.S., and aims to further diversify its broker network.
Technology and operational efficiency
Operates entirely in a cloud environment, using proprietary software for deposit and asset management.
Developed an in-house AI model that rapidly adjudicates loans and audits 90% of cash flows, greatly improving efficiency and scalability.
AI ensures partners stay within credit parameters and dynamically adjusts cash holdbacks based on portfolio performance.
Human auditors are still used but are slower than the AI system; the AI also helps optimize energy use in tech facilities.
Digital assets and regulatory engagement
Pioneered tokenized deposit receipts (now called deposit tokens) on blockchains like Algorand, Stellar, and Ethereum, offering insured, interest-bearing digital assets.
Piloted digital deposit tokens in Canada and is now refreshing and piloting them in the U.S., with both USD and CAD versions available.
Regulatory engagement has been strong, with U.S. and Canadian regulators viewing the product as a safe harbor amid concerns about unregulated stablecoins.
Structure reorganized to a U.S. bank holding company listed on NASDAQ, making it easier to sell business units and align with U.S. investor expectations.
How does AI optimize cash collateral?
How will deposit tokens capture USDC share?
Overcome ABS funding preference in US market?
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Q4 20258 Dec, 2025
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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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