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 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.
VersaBank filed a Form 6-K highlighting progress in its digital asset strategy. The bank has begun receiving QCAD deposits under its previously announced stablecoin custody services agreement with Stablecorp, which manages the QCAD Digital Trust.
The bank also congratulates Stablecorp on QCAD’s listing on the Kraken crypto asset trading platform, where QCAD will trade as a Canadian dollar‑denominated instrument for settling digital asset transactions. Management frames the start of QCAD deposit flows as the first incremental income from its digital asset strategy and further validation of its VersaVault® custody technology.
VersaBank is holding its Annual and Special Meeting of Shareholders on April 8, 2026, at 10:30 a.m. ET in London, Ontario. Shareholders will receive fiscal 2025 financial statements, vote on re-appointing Ernst & Young LLP as auditors, elect ten directors by cumulative voting, and consider a special by-law amendment allowing the Chief Executive Officer and President roles to be held by different individuals.
The record date for voting is February 24, 2026. The management proxy circular details voting procedures for registered and non-registered shareholders, majority voting for directors, executive compensation philosophy, incentive plans, and termination and change-of-control benefits for named executive officers.
VersaBank reported the results of its Annual and Special Meeting of Shareholders held in London, Ontario on April 8, 2026. Shareholders elected all 10 nominated directors, with each nominee receiving at least 98% of votes cast in favour.
Ernst & Young LLP was reappointed as auditors with 99.83% of votes in favour. An administrative by-law amendment was also approved, receiving 99.78% support. The detailed voting results are provided as the Report of Voting Results dated April 9, 2026.
VersaBank reported the results of its 2026 Annual and Special Meeting of Shareholders held in London, Ontario on April 8, 2026. All director nominees listed in the March 9, 2026 Management Information Circular were elected with strong support, generally above 98% of votes cast in favour.
Shareholders also approved the appointment of Ernst & Young LLP as auditors and passed an administrative by-law amendment allowing the roles of President and Chief Executive Officer to be held by separate individuals, providing flexibility for future leadership structure.
VersaBank has scheduled its 2026 Annual and Special Meeting of Shareholders for April 8, 2026 at 10:30 a.m. ET at the VersaBank Innovation Centre of Excellence in London, Ontario. The meeting will also be live-streamed, with an archived replay available on the bank’s website.
Shareholders who join by live-stream will not be able to vote during the meeting and must submit proxy instructions to Odyssey Trust Company by 10:30 a.m. ET on April 6, 2026 using the methods described in the Management Proxy Circular.
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 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.