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  <xsd:element abstract="true" id="versb_GovernmentOfCanadaBondMember" name="GovernmentOfCanadaBondMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_HoldbacksPayableOnLoanAndLeaseReceivables" name="HoldbacksPayableOnLoanAndLeaseReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="versb_Increase100BpsMember" name="Increase100BpsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_IncreaseDecreaseInAllowanceAccountForCreditLossesOfLoans" name="IncreaseDecreaseInAllowanceAccountForCreditLossesOfLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="versb_IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeOtherProvisions" name="IncreaseDecreaseThroughAdjustmentsArisingFromPassageOfTimeOtherProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_IncreaseDecreaseThroughTransfersInOutOfStage1OtherProvisions" name="IncreaseDecreaseThroughTransfersInOutOfStage1OtherProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_IncreaseDecreaseThroughTransfersInOutOfStage2OtherProvisions" name="IncreaseDecreaseThroughTransfersInOutOfStage2OtherProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_IncreaseDecreaseThroughTransfersInOutOfStage3OtherProvisions" name="IncreaseDecreaseThroughTransfersInOutOfStage3OtherProvisions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_IncreaseInNumberOfSharesOutstandingIssueOfEquity" name="IncreaseInNumberOfSharesOutstandingIssueOfEquity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_InterestExpenseIFRSAbstract" name="InterestExpenseIFRSAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_InterestIncomeAbstract" name="InterestIncomeAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_IssueOfEquityPricePerShare" name="IssueOfEquityPricePerShare" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_IssuedAsTreasuryOfferingMember" name="IssuedAsTreasuryOfferingMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_IssuedForOverAllotmentMember" name="IssuedForOverAllotmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_LettersOfCreditMember" name="LettersOfCreditMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_LeverageRatio" name="LeverageRatio" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="versb_LoansIFRSMember" name="LoansIFRSMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_LoansNetMember" name="LoansNetMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_MaximumNumberOfSharesAllowedToBePurchasedForCancellation" name="MaximumNumberOfSharesAllowedToBePurchasedForCancellation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_MaximumPercentageOfCreditRiskweightedAssetsForAllowance" name="MaximumPercentageOfCreditRiskweightedAssetsForAllowance" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_MinimumLeverageRatio" name="MinimumLeverageRatio" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="versb_MultifamilyResidentialLoansAndOtherMember" name="MultifamilyResidentialLoansAndOtherMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_NoninterestExpenseIFRS" name="NoninterestExpenseIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_NoninterestExpensesAbstract" name="NoninterestExpensesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_NoninterestIncomeIFRS" name="NoninterestIncomeIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_NumberOfOperatingSegments1" name="NumberOfOperatingSegments1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_NumberOfReportableSegments1" name="NumberOfReportableSegments1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_NumberOfSharesInPublicFloat" name="NumberOfSharesInPublicFloat" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_NumberOfSharesTraded" name="NumberOfSharesTraded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_NumberOfSharesTradedOnAlternateExchangesAndTradingSystems" name="NumberOfSharesTradedOnAlternateExchangesAndTradingSystems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_NumberOfSharesTradedOnTseSystem" name="NumberOfSharesTradedOnTseSystem" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_OffbalanceSheetExposure" name="OffbalanceSheetExposure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="versb_OffbalanceSheetExposureGrossNotionalAmount" name="OffbalanceSheetExposureGrossNotionalAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="versb_OnbalanceSheetExposure" name="OnbalanceSheetExposure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="versb_OtherDebtInstrumentsHeldMember" name="OtherDebtInstrumentsHeldMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_OtherFinancialAssetsMember" name="OtherFinancialAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_OtherFinancialLiabilitiesMember" name="OtherFinancialLiabilitiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_OtherLiabilitiesIFRSMember" name="OtherLiabilitiesIFRSMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_PaymentsForProceedsFromLeaseObligationsClassifiedAsFinancingActivities" name="PaymentsForProceedsFromLeaseObligationsClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_PercentChangeInFairValueOfFinancialInstrumentAttributableToChangesInCreditRisk" name="PercentChangeInFairValueOfFinancialInstrumentAttributableToChangesInCreditRisk" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_PercentOfPublicFloat" name="PercentOfPublicFloat" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_PercentageOfBaseOffering" name="PercentageOfBaseOffering" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_PercentageOfLendingAssets" name="PercentageOfLendingAssets" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_PrepaidExpensesAndOther" name="PrepaidExpensesAndOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="versb_ProceedsFromDisposalOfShares" name="ProceedsFromDisposalOfShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_ProceedsFromPurchaseOfSecuritiesClassifiedAsInvestingActivities" name="ProceedsFromPurchaseOfSecuritiesClassifiedAsInvestingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_ReceivablePurchaseProgramMember" name="ReceivablePurchaseProgramMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_RegulatoryAdjustmentsToCapital" name="RegulatoryAdjustmentsToCapital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="versb_RegulatoryCapital" name="RegulatoryCapital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="versb_RegulatoryCapitalBeforeAdjustments" name="RegulatoryCapitalBeforeAdjustments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="versb_ReplacementCostOfDerivativeExposure" name="ReplacementCostOfDerivativeExposure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_RequiredMinimumCapitalRatioCommonEquityTier1" name="RequiredMinimumCapitalRatioCommonEquityTier1" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_RequiredMinimumCapitalRatioTier1Capital" name="RequiredMinimumCapitalRatioTier1Capital" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_RequiredMinimumCapitalRatioTotalCapital" name="RequiredMinimumCapitalRatioTotalCapital" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="versb_RevenueLessProvisionForCreditLoss" name="RevenueLessProvisionForCreditLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="versb_RiskExposureOfNetIncomeDuring12MonthPeriod" name="RiskExposureOfNetIncomeDuring12MonthPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="versb_RiskweightedAssets" name="RiskweightedAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="versb_SatisfactoryGradeLoansMember" name="SatisfactoryGradeLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_SecuritiesMember" name="SecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_SharesIssuedFromStockOptionExercises" name="SharesIssuedFromStockOptionExercises" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_SharesPurchasedAndCancelledDuringPeriod" name="SharesPurchasedAndCancelledDuringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_Stage1Member" name="Stage1Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_Stage2Member" name="Stage2Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_Stage3Member" name="Stage3Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_Statement1LineItems" name="Statement1LineItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_Statement1Table" name="Statement1Table" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_StrategicDivestureTextBlock" name="StrategicDivestureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_SubordinatedNotesMember" name="SubordinatedNotesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_SubordinatedNotesPayableMaturingMay2031Member" name="SubordinatedNotesPayableMaturingMay2031Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_SubordinatedNotesPayableMember" name="SubordinatedNotesPayableMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_Tier1Capital" name="Tier1Capital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="versb_Tier2CapitalMember" name="Tier2CapitalMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_TotalDepreciationAmortisationImpairmentLossReversalOfImpairmentLossAndOtherPremisesCostRecognisedInProfitOrLoss" name="TotalDepreciationAmortisationImpairmentLossReversalOfImpairmentLossAndOtherPremisesCostRecognisedInProfitOrLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="versb_TotalExposure" name="TotalExposure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="versb_TransitionalMember" name="TransitionalMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_Upside100Member" name="Upside100Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_UsTreasuryBillsMember" name="UsTreasuryBillsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="versb_ValueFromTheExerciseOfOptions" name="ValueFromTheExerciseOfOptions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_VersafinanceUsCorpMember" name="VersafinanceUsCorpMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-11-income-per-common-share-basic-and-diluted-income-per-common-share-details" name="statement-statement-note-11-income-per-common-share-basic-and-diluted-income-per-common-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-11-income-per-common-share-tables" name="statement-statement-note-11-income-per-common-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-13-commitments-and-contingencies-credit-related-commitments-details" name="statement-statement-note-13-commitments-and-contingencies-credit-related-commitments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-13-commitments-and-contingencies-tables" name="statement-statement-note-13-commitments-and-contingencies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-15-capital-management-riskbased-capital-ratios-details" name="statement-statement-note-15-capital-management-riskbased-capital-ratios-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-15-capital-management-tables" name="statement-statement-note-15-capital-management-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-16-interest-rate-risk-position-analysis-of-sensitivity-to-market-interest-rates-details" name="statement-statement-note-16-interest-rate-risk-position-analysis-of-sensitivity-to-market-interest-rates-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-16-interest-rate-risk-position-tables" name="statement-statement-note-16-interest-rate-risk-position-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-17-fair-value-of-financial-instruments-fair-value-of-financial-instruments-details" name="statement-statement-note-17-fair-value-of-financial-instruments-fair-value-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-17-fair-value-of-financial-instruments-tables" name="statement-statement-note-17-fair-value-of-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-18-operating-segmentation-results-of-reportable-operating-segments-details" name="statement-statement-note-18-operating-segmentation-results-of-reportable-operating-segments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-18-operating-segmentation-tables" name="statement-statement-note-18-operating-segmentation-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-expected-credit-loss-sensitivity-details" name="statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-expected-credit-loss-sensitivity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-portfolio-analysis-details" name="statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-portfolio-analysis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-reconciliation-of-ecl-allowance-by-lending-asset-category-details" name="statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-reconciliation-of-ecl-allowance-by-lending-asset-category-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-summary-of-loan-ecl-and-el-amounts-by-lending-asset-category-details" name="statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-summary-of-loan-ecl-and-el-amounts-by-lending-asset-category-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-tables" name="statement-statement-note-5-credit-assets-net-of-allowance-for-credit-losses-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-6-other-assets-schedule-of-other-assets-details" name="statement-statement-note-6-other-assets-schedule-of-other-assets-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-6-other-assets-tables" name="statement-statement-note-6-other-assets-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-7-subordinated-notes-payable-schedule-of-subordinated-notes-payable-details" name="statement-statement-note-7-subordinated-notes-payable-schedule-of-subordinated-notes-payable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-7-subordinated-notes-payable-schedule-of-subordinated-notes-payable-details-parentheticals" name="statement-statement-note-7-subordinated-notes-payable-schedule-of-subordinated-notes-payable-details-parentheticals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-7-subordinated-notes-payable-tables" name="statement-statement-note-7-subordinated-notes-payable-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-8-other-liabilities-schedule-of-other-liabilities-details" name="statement-statement-note-8-other-liabilities-schedule-of-other-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-8-other-liabilities-tables" name="statement-statement-note-8-other-liabilities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-9-share-capital-stock-option-transactions-details" name="statement-statement-note-9-share-capital-stock-option-transactions-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="versb_statement-statement-note-9-share-capital-tables" name="statement-statement-note-9-share-capital-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
