Verus Bank of Commerce
Fort Collins, CO · Cert 58025 · Peer group: banks under $1B in assets (n=573-620) · Verus Acquisition Group Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$202.4MAssets
$176.4MLoans
$162.9MDeposits
$37.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 573).
- Widest gap: return on equity trails 74% of banks under $1B in assets (rank 461 of 620).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.01%
Rank 304 of 620
Net Interest Margin
3.94%
Rank 178 of 620
Efficiency Ratio
68.44%
Rank 317 of 620
Equity / Assets
18.65%
Rank 85 of 620
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 49% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.60% | 1.00% | 1.45% | Beats 51% | 304 / 620 | |
| Return on Equity | 5.42% | 5.30% | 9.30% | 13.29% | Beats 26% | 461 / 620 | |
| Net Interest Margin | 3.94% | 3.02% | 3.53% | 4.04% | Beats 71% | 178 / 620 | |
| Efficiency Ratio | 68.44% | 58.35% | 68.08% | 79.37% | Beats 49% | 317 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 18.46% | 11.27% | 13.87% | 18.78% | Beats 74% | 162 / 620 | |
| Total Risk-Based Capital Ratio | 18.46% | 11.69% | 14.57% | 19.67% | Beats 71% | 179 / 620 | |
| Equity / Assets | 18.65% | 9.03% | 10.60% | 13.73% | Beats 86% | 85 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 108.34% | 65.08% | 79.69% | 92.47% | 94th pctl | 35 / 585 | |
| Loans / Assets | 87.18% | 51.85% | 67.17% | 77.86% | 95th pctl | 29 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |