Our branchless, digital, partner-based (B2B) model, combined with our Schedule I Canadian bank license, is unique in North America.  Using our proprietary, state-of-the-art banking technology, we provide innovative, high-value add deposit and lending solutions that address the unmet needs of financial intermediaries across North America, enabling them to excel in their own businesses. 

For shareholders, our unique model substantially mitigates both deposit and lending risk, while providing significant operating leverage.  As a result, VersaBank is poised for accelerated growth in return on common equity to industry leading levels as it continues to expand its loan portfolio, especially as it pursues the new opportunities presented by recent entry into the United States.