Verus Bank of Commerce
Fort Collins, CO · Cert 58025 · Peer group: banks under $1B in assets (n=581-629) · 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 581).
- Widest gap: return on equity trails 75% of banks under $1B in assets (rank 470 of 629).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.01%
Rank 314 of 629
Net Interest Margin
3.94%
Rank 189 of 629
Efficiency Ratio
68.44%
Rank 326 of 629
Equity / Assets
18.65%
Rank 88 of 629
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 48% 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% | 1.01% | 1.45% | Beats 50% | 314 / 629 | |
| Return on Equity | 5.42% | 5.38% | 9.30% | 13.28% | Beats 25% | 470 / 629 | |
| Net Interest Margin | 3.94% | 3.03% | 3.54% | 4.05% | Beats 70% | 189 / 629 | |
| Efficiency Ratio | 68.44% | 58.35% | 67.79% | 79.08% | Beats 48% | 326 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 18.46% | 11.24% | 13.84% | 18.77% | Beats 74% | 164 / 629 | |
| Total Risk-Based Capital Ratio | 18.46% | 11.58% | 14.43% | 19.66% | Beats 71% | 180 / 629 | |
| Equity / Assets | 18.65% | 9.09% | 10.65% | 13.80% | Beats 86% | 88 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 108.34% | 67.24% | 80.90% | 93.48% | 94th pctl | 36 / 594 | |
| Loans / Assets | 87.18% | 53.31% | 67.71% | 78.15% | 95th pctl | 30 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |