VBNK

- Bank to Offer Its Own VersaBank-Issued Real Bank Tokenized Deposits(TM) and Looks Forward to Offering Its Proven, Market-Ready Tokenized Deposit Technology to Other U.S. Banks - London, Ontario--(Newsfile Corp. - October 15, 2026) - VersaBank (TSX: VBNK) (NASDAQ: VBNK) ("VersaBank" or the "Bank"), a North American leader in business-to-business digital banking, digital asset technology and technology solutions for cybersecurity, today announced it has initiated the commercial phase in the United States for its proprietary tokenized deposits in full compliance with U.S. federal banking regulations. The first component of the Bank's U.S. commercial strategy for its tokenized deposits is the issuance by VersaBank USA of the Bank's own Real Bank Tokenized Deposits™ (RBTDs™), which are highly encrypted versions of conventional digital bank deposits represented on the blockchain.

London, Ontario--(Newsfile Corp. - October 14, 2026) - VersaBank (TSX: VBNK) (NASDAQ: VBNK) ("VersaBank" or the "Bank"), a North American leader in business-to-business digital banking, digital asset technology and technology solutions for cybersecurity, today announced it has received approval from Canada's Finance Minister, François-Philippe Champagne, for its previously announced plan to realign its corporate structure to a standard U.S. bank framework reorganization pursuant to which Versa Bancorp, a new Delaware corporation, will become the direct holding company of the Bank (the "Reorganization"). Approval by Minister Champagne is one of two regulatory approvals required for the Bank to complete the Reorganization following its approval by the Bank's shareholders in September.

VersaBank is scaling its digital U.S. lending business through proprietary AI-enabled technology. Declining profit margins reflect the high costs of integration and international corporate reorganization.

VersaBank (VBNK) continues to deliver strong year-over-year growth, with Q3 revenue up 23% and adjusted net income up 27%. U.S. operations are now a significant profit driver, but ambitious 2027 SRP growth targets require flawless execution and additional capital. Net interest margin compressed to 2.19%, but credit quality remains robust and management expects NIM to recover as portfolio mix improves.

- Partnership Validates Bank's Proprietary Digital Asset Technology and Capabilities for Commercial Activities in a Regulated Bank Environment - London, Ontario--(Newsfile Corp. - October 1, 2026) - VersaBank (TSX: VBNK) (NASDAQ: VBNK) (the "Bank"), a North American leader in business-to-business digital banking, digital asset technology and technology solutions for cybersecurity, today announced that through its wholly owned subsidiary, VersaBank USA, N.A., it has partnered with Fiserv, Inc., a leading global provider of payments and financial services technology, to provide its proprietary digital asset technology and custody services for the development and operation of Bank of North Dakota's dollar-backed stablecoin, Roughrider Coin (the "Partnership"), the first live use case of Fiserv's Digital Asset platform.

VersaBank (VBNK:CA) Shareholder/Analyst Call Transcript

London, Ontario--(Newsfile Corp. - September 4, 2026) - VersaBank  (TSX: VBNK) (NASDAQ: VBNK) (the "Bank"), a North American leader in business-to-business digital banking, as well as technology solutions for cybersecurity, today announced management will participate in the Raymond James US Bank and Banking on Tech Conference in Chicago to be held on September 8-10, 2026. VersaBank management will participate in one-on-one meetings throughout the conference.

VersaBank NASDAQ: VBNK reported record third-quarter fiscal 2026 revenue, credit assets and net interest income, as growth in its U.S. Structured Receivable Program, or SRP, continued to accelerate.

VersaBank (VBNK) came out with quarterly earnings of $0.27 per share, missing the Zacks Consensus Estimate of $0.34 per share. This compares to earnings of $0.22 per share a year ago.

London, Ontario--(Newsfile Corp. - September 1, 2026) - VersaBank (TSX: VBNK) (NASDAQ: VBNK) (or the "Bank"), a North American leader in business-to-business digital banking, as well as technology solutions for cybersecurity, today announced that its recently launched Real-Time Structured Receivable Program (SRP) has been implemented for the first time in the United States by the Bank's SRP partner ECN Capital. "As expected, there has been a flood of demand for our breakthrough Real-Time SRP from both existing and prospective partners since launch just a couple of months ago," said David Taylor, Founder and President, VersaBank.