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VersaBank, a schedule I chartered bank, provides various banking products and services in Canada. The company offers deposit products, such as guaranteed investment certificates, registered retirement savings plans, daily interest savings accounts, and tax-free savings accounts, as well as deposit insurance products. It also provides lending services, including point of sale financing that involves purchasing loan and lease receivables from finance companies operating in various industries; and commercial banking services comprising commercial real estate, public sector/infrastructure financing, condominium financing, and residential mortgages. The company was formerly known as Pacific & Western Bank of Canada and changed its name to VersaBank in May 2016. VersaBank was incorporated in 1979 and is headquartered in London, Canada.

VersaBank

The significance of a company's longevity in the market

Years since IPO

Evaluation of recent trends and improvements in the company's revenue

Revenue Growth

Assessment of recent increases in earnings per share, indicating profitability

EPS Growth

Review of the company's ability to generate free cash flow over recent periods

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Analysis of Return on Equity, showing how effectively the company uses equity to generate profits

Examination of debt levels using Debt/Assets and Debt/EBITDA to ensure manageable leverage

Debt

 NEW AI CAPABILITIES ENABLE REAL-TIME MONITORING OF CREDIT ASSET DATA, FURTHER MITIGATING RISK AND SUPPORTING THE BANK'S EFFICIENCY  LONDON, ON , SEPT. 18, 2025 /PRNEWSWIRE/ - VERSABANK ("VERSABANK" OR THE "BANK") (TSX:VBNK; NASDAQ:VBNK), A NORTH AMERICAN LEADER IN BUSINESS-TO-BUSINESS DIGITAL BANKING, AS WELL AS TECHNOLOGY SOLUTIONS FOR CYBERSECURITY, TODAY ANNOUNCED IT HAS IMPLEMENTED NEW, INTERNALLY DEVELOPED, STATE-OF-THE-ART ARTIFICIAL INTELLIGENCE (AI) CAPABILITIES WITHIN ITS PROPRIETARY CORE BANKING TECHNOLOGY.

VERSABANK IMPLEMENTS NEW INTERNALLY DEVELOPED ARTIFICIAL INTELLIGENCE CAPABLITIES WITHIN CORE BANKING TECHNOLOGY

 INTEGRATION WITH US PILOT PROGRAM INTENDED TO DEMONSTRATE NEAR-TERM COMMERCIAL FOREIGN EXCHANGE OPPORTUNITY AS THE ONLY NATIONALLY LICENSED BANK IN BOTH THE UNITED STATES AND CANADA WITH TOKENIZED DEPOSIT CAPABILITIES  LONDON, ON , SEPT. 16, 2025 /PRNEWSWIRE/ - VERSABANK ("VERSABANK" OR THE "BANK") (TSX: VBNK) (NASDAQ: VBNK), A NORTH AMERICAN LEADER IN BUSINESS-TO-BUSINESS DIGITAL BANKING, AS WELL AS TECHNOLOGY SOLUTIONS FOR CYBERSECURITY, TODAY ANNOUNCED IT HAS COMMENCED A REFRESH OF ITS PREVIOUSLY COMPLETED PILOT PROGRAM FOR ITS DIGITAL DEPOSIT RECEIPTS ("DDRS") IN CANADA (THE "CADVB PILOT REFRESH").

VERSABANK ANNOUNCES REFRESH OF PREVIOUS DDR TOKENIZED DEPOSIT PILOT PROGAM IN CANADA AND INTEGRATION WITH US PILOT PROGRAM

 EXPANSION OFRPP PROGRAM TO ADD SECURITIZATION EXPECTED TO GENERATE ADDITIONAL ASSET AND EARNINGS GROWTH IN BOTH US AND CANADA   TWO NEW RPP PARTNERS ADDED IN CANADA, INCLUDING FIRST RPP SECURITIZATION PARTNER   VERSABANK USA TOKENIZED DEPOSIT PILOT PROGRAM IN THE UNITED STATES UNDERWAY  ALL AMOUNTS ARE UNAUDITED AND IN CANADIAN DOLLARS AND ARE BASED ON FINANCIAL STATEMENTS PREPARED IN COMPLIANCE WITH INTERNATIONAL ACCOUNTING STANDARD 34 INTERIM FINANCIAL REPORTING, UNLESS OTHERWISE NOTED. OUR THIRD QUARTER 2025 ("Q3 2025") UNAUDITED INTERIM CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED JULY 31, 2025 AND MANAGEMENT'S DISCUSSION AND ANALYSIS ("MD&A"), ARE AVAILABLE ONLINE AT WWW.VERSABANK.COM/INVESTOR-RELATIONS, SEDAR AT WWW.SEDARPLUS.CA AND EDGAR AT WWW.SEC.GOV/EDGAR.

VERSABANK THIRD QUARTER RESULTS CONTINUE TO DEMONSTRATE STRENGTH OF BUSINESS MODEL AS US RPP PORTFOLIO RAMPS UP

LONDON, ON , SEPT. 4, 2025 /PRNEWSWIRE/ - VERSABANK (THE "BANK") (TSX: VBNK; NASDAQ: VBNK) TODAY ANNOUNCED THAT CASH DIVIDENDS IN THE AMOUNT OF CAD $0.025 PER COMMON SHARE OF THE BANK HAVE BEEN DECLARED FOR THE QUARTER ENDING OCTOBER 31, 2025, PAYABLE AS OF OCTOBER 31, 2025, TO SHAREHOLDERS OF RECORD AT THE CLOSE OF BUSINESS ON OCTOBER 10, 2025.

VERSABANK DECLARES DIVIDENDS

LONDON,ON, SEPT. 3, 2025 /PRNEWSWIRE/ - VERSABANK ("VERSABANK" OR THE "BANK") (TSX: VBNK) (NASDAQ: VBNK), A NORTH AMERICAN LEADER IN BUSINESS-TO-BUSINESS DIGITAL BANKING, AS WELL AS TECHNOLOGY SOLUTIONS FOR CYBERSECURITY, TODAY ANNOUNCED IT HAS ADDED TWO NEW RECEIVABLE PURCHASE PROGRAM PARTNERS IN CANADA FOR THE RECEIVABLE PURCHASE PROGRAM (RPP).

VERSABANK ADDS TWO NEW RECEIVABLE PURCHASE PROGRAM PARTNERS IN CANADA, INCLUDING FIRST SECURITIZATION PARTNER

 BANK'S PROPRIETARY DIGITAL DEPOSIT RECEIPTS (DDRS) OFFER SIGNIFICANT ADVANTAGES OVER STABLECOINS AS BANK-ISSUED DEPOSITS ON THE BLOCKCHAIN AS 1:1 REPRESENTATION OF ACTUAL CASH DEPOSITS WITH ABILITY TO PAY INTEREST AND FDIC INSURANCE1  LONDON, ON AND MINNEAPOLIS , AUG. 26, 2025 /PRNEWSWIRE/ -AS TRADITIONAL STABLECOINS GAIN TRACTION AS A TOOL FOR VARIOUS FINANCIAL ACTIVITIES WITHIN THE CRYPTOCURRENCY ECOSYSTEM, VERSABANK ("VERSABANK" OR THE "BANK") (TSX:VBNK) (NASDAQ:VBNK), A NORTH AMERICAN LEADER IN BUSINESS-TO-BUSINESS DIGITAL BANKING, AS WELL AS TECHNOLOGY SOLUTIONS FOR CYBERSECURITY, TODAY ANNOUNCED THAT ITS WHOLLY OWNED SUBSIDIARY, VERSABANK USA, HAS LAUNCHED AN INTERNAL PILOT PROGRAM IN THE UNITED STATES FOR ITS USDVBS, THE US-DOLLAR VERSION OF ITS PROPRIETARY DIGITAL DEPOSIT RECEIPTS ("DDRS") (THE "USDVB PILOT PROGRAM"). DEVELOPED EXCLUSIVELY BY VERSABANK USING ITS PROPRIETARY TECHNOLOGY, DDRS ARE BANK-ISSUED TOKENIZED DEPOSITS, WHICH ARE HIGHLY ENCRYPTED1:1 DIGITAL REPRESENTATIONS OF ACTUAL CASH DEPOSITS THAT PROVIDE SUPERIOR SECURITY, STABILITY, AND REGULATORY COMPLIANCE COMPARED TO STABLECOINS.

VERSABANK ANNOUNCES VERSABANK USA LAUNCH OF TOKENIZED DEPOSIT PILOT PROGRAM IN UNITED STATES

BANK TO REPORT THIRD QUARTER FISCAL 2025 RESULTS THURSDAY, SEPTEMBER 4, 2025 AT 7:00 A.M. ET LONDON, ON , AUG. 21, 2025 /PRNEWSWIRE/ - VERSABANK ("VERSABANK" OR THE "BANK") (TSX: VBNK) (NASDAQ: VBNK) WILL REPORT ITS THIRD QUARTER 2025 FINANCIAL RESULTS AND HOST A CONFERENCE CALL TO DISCUSS THOSE RESULTS ON THURSDAY, SEPTEMBER 4, 2025.

VERSABANK TO HOST THIRD QUARTER FISCAL 2025 FINANCIAL RESULTS CONFERENCE CALL/WEBCAST

- COMPLEMENTARY SOLUTION TO CORERPP OFFERING SIGNIFICANTLY EXPANDS ADDRESSABLE MARKET IN BOTH US AND CANADA TO GENERATE ADDITIONAL ASSET AND EARNINGS GROWTH  LONDON,ON, AUG. 14, 2025 /PRNEWSWIRE/ - VERSABANK ("VERSABANK" OR THE "BANK") (TSX: VBNK) (NASDAQ: VBNK), A NORTH AMERICAN LEADER IN BUSINESS-TO-BUSINESS DIGITAL BANKING, AS WELL AS TECHNOLOGY SOLUTIONS FOR CYBERSECURITY, TODAY ANNOUNCED IT HAS EXPANDED ITS RECEIVABLE PURCHASE PROGRAM (RPP) IN BOTH THE UNITED STATES AND CANADA THROUGH THE LAUNCH OF A SECURITIZED FINANCING SOLUTION FOR POINT-OF-SALE AND OTHER FINANCING COMPANIES ("RPP SECURITIZED FINANCING"). VERSABANK'S RPP SECURITIZED FINANCING STRATEGY WILL INCLUDE INVESTMENT IN THE SENIOR-LEVEL TRANCHES (TYPICALLY AAA-RATED LEVEL AND SUBJECT TO THE BANK'S NORMAL CREDIT APPROVAL PROCESS) OF TARGET SECURITIZED CREDIT ASSETS, AS WELL AS ESTABLISH ITS OWN PLATFORM OFFERING SECURITIZATION OF ASSETS ORIGINATED AND OWNED BY ITS FINANCING PARTNERS.

VERSABANK EXPANDS RECEIVABLE PURCHASE PROGRAM WITH LAUNCH OF SECURITIZED FINANCING SOLUTION AND APPOINTS VETERAN US EXECUTIVE TIMOTHY COMISKEY TO LEAD INITIATIVE

LONDON,ON, JUNE 11, 2025 /PRNEWSWIRE/ - VERSABANK ("VERSABANK" OR THE "BANK") (TSX: VBNK) (NASDAQ: VBNK), A NORTH AMERICAN LEADER IN BUSINESS-TO-BUSINESS DIGITAL BANKING, AS WELL AS TECHNOLOGY SOLUTIONS FOR CYBERSECURITY, TODAY ANNOUNCED MANAGEMENT WILL PARTICIPATE IN THE SIDOTI VIRTUAL INVESTOR CONFERENCE TO BE HELD ON JUNE 11-12, 2025. DAVID TAYLOR, PRESIDENT OF VERSABANK, WILL PRESENT ON JUNE 12, 2025, AT 2:30 P.M.

VERSABANK TO PRESENT AT SIDOTI VIRTUAL INVESTOR CONFERENCE ON JUNE 12, 2025, AT 2:30 PM ET

LONDON,ON, JUNE 9, 2025 /PRNEWSWIRE/ -VERSABANK ("VERSABANK" OR THE "BANK") (TSX: VBNK) (NASDAQ: VBNK), A NORTH AMERICAN LEADER IN BUSINESS-TO-BUSINESS DIGITAL BANKING, AS WELL AS TECHNOLOGY SOLUTIONS FOR CYBERSECURITY, TODAY ANNOUNCED DAVID TAYLOR, PRESIDENT OF VERSABANK, WILL PRESENT ON THE BANK'S REVOLUTIONARY DIGITAL DEPOSIT RECEIPTS (DDRS) AT THE FLORIDA BANKERS ASSOCIATION'S ANNUAL MEETING ON WEDNESDAY, JUNE 11, 2025 AT 11:00 A.M. IN A SESSION TITLEDINTRODUCING THE ULTIMATE STABLECOIN  THE ONLY USD DIGITAL DEPOSIT RECEIPT.

VersaBank

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VersaBank

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