Fort Collins, CO · Cert 58025 · Verus Acquisition Group Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Fort Collins-Loveland, CO · 2026 SOD (annual) · 1.6% share · #11 of 28 inst. · $0.2B of $10.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 1.00% | 1.20% | 0.82% | 1.02% | +16 bps | |
| Return on Equity | 4.45% | 5.10% | 6.19% | 4.45% | 5.50% | +105 bps | |
| Net Interest Margin | 3.82% | 3.89% | 3.84% | 3.95% | 3.94% | +11 bps | |
| Efficiency Ratio | 72.97% | 68.98% | 62.87% | 74.13% | 68.44% | -453 bps | |
| Non-Interest Burden | 2.69% | 2.58% | 2.30% | 2.86% | 2.61% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.29% | 0.09% | -0.33% | 8.57% | 7.97% | +1,125 bps | |
| Loan Growth (YoY) | -1.82% | 0.62% | -0.25% | 6.57% | 7.31% | +913 bps | |
| Deposit Growth (YoY) | 3.29% | -1.38% | -7.56% | 8.47% | 11.71% | +841 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.82% | 0.81% | 0.79% | 0.76% | 0.77% | -5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 19.34% | 19.79% | 18.62% | 18.61% | 18.46% | -88 bps | |
| Total Risk-Based Capital | 19.34% | 19.79% | 18.62% | 18.61% | 18.46% | -88 bps | |
| Equity / Assets | 19.88% | 19.90% | 19.19% | 17.94% | 18.65% | -123 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 112.77% | 117.87% | 121.07% | 110.00% | 108.34% | -443 bps | |
| Liquid Assets / Assets | 9.27% | 9.01% | 8.54% | 9.59% | 8.16% | -111 bps | |
| CRE / Total Capital | n/a | 344% | 360% | 377% | n/a | n/a | |