VersaBank (VBNK) Loans - Loss Allowance (2024 - 2026)
VersaBank (VBNK) posted Loans - Loss Allowance of $80.84 million for fiscal Q3 2026 (quarter ended Jul 31, 2026), up 28.5% from $62.92 million a year earlier and up 50.4% from the prior quarter.
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Analysis
VersaBank (VBNK) Loans - Loss Allowance (2024 - 2026) Analysis & Trends
At the end of FY2025 (ended Oct 31, 2025), VersaBank's Loans - Loss Allowance came in at $85.87 million, up 4.4% from FY2024.
- Annual Loans - Loss Allowance has increased for five consecutive fiscal years, with a five-year compound annual growth rate of 16.2% (FY2020 to FY2025).
- In prior fiscal years, VersaBank's Loans - Loss Allowance was $82.24 million in FY2024 (+2.6%), $80.12 million in FY2023 (+25.8%), $63.7 million in FY2022 (+21.8%) and $52.32 million in FY2021 (+29.0%).
- Quarterly Loans - Loss Allowance has run from a low of $14.43 million in fiscal Q1 2022 to a high of $86.67 million in fiscal Q4 2025 over five years.
- On a year-over-year basis, Loans - Loss Allowance has increased in each of the last five quarters, with growth averaging 11.7% over the last eight quarters.
- The strongest year-over-year quarter for Loans - Loss Allowance in the past five years was fiscal Q1 2026, with growth of 36.7%; the weakest was fiscal Q1 2025, with a decline of 11.9%.
- According to Business Quant data, Loans - Loss Allowance for the three prior fiscal quarters was $53.75 million (Q2 2026), $25.81 million (Q1 2026) and $86.67 million (Q4 2025).
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Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jul 31, 2026 | 4.40 Bn |
| Apr 30, 2026 | 4.04 Bn |
| Jan 31, 2026 | 3.95 Bn |
| Oct 31, 2025 | 3.62 Bn |
| Jul 31, 2025 | 3.46 Bn |
| Apr 30, 2025 | 3.27 Bn |
| Jan 31, 2025 | 3.00 Bn |
| Oct 31, 2024 | 3.05 Bn |
| Jul 31, 2024 | 2.92 Bn |
| Apr 30, 2024 | 2.94 Bn |
| Jan 31, 2024 | 2.97 Bn |
API Access
VersaBank Loans - Loss Allowance API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=loans-loss-allowance&ticker=VBNK&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "ticker": "VBNK", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=loans-loss-allowance&ticker=VBNK&period=max&api_key=YOUR_API_KEY");
const data = await res.json();