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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.70% | 0.61% | 1.11% | 1.27% | 1.83% | 0.82% | 1.20% | +8 bps | |
| Return on Equity | 6.75% | 8.70% | 3.20% | 5.69% | 6.39% | 9.37% | 4.45% | 6.54% | +84 bps | |
| Net Interest Margin | 3.84% | 4.09% | 3.77% | 3.81% | 3.97% | 4.03% | 3.95% | 4.02% | +21 bps | |
| Efficiency Ratio | 59.80% | 50.21% | 80.44% | 65.67% | 61.12% | 45.46% | 74.13% | 62.95% | -272 bps | |
| Non-Interest Burden | 2.18% | 1.90% | 2.97% | 2.36% | 2.31% | 1.69% | 2.86% | 2.43% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.29% | -0.38% | -7.94% | -3.29% | 0.09% | -0.33% | 8.57% | 7.97% | +1,125 bps | |
| Loan Growth (YoY) | 2.05% | 5.68% | 0.56% | -1.82% | 0.62% | -0.25% | 6.57% | 7.31% | +913 bps | |
| Deposit Growth (YoY) | -0.66% | -1.77% | 0.99% | 3.29% | -1.38% | -7.56% | 8.47% | 11.71% | +841 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.45% | 0.00% | 0.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.82% | 0.80% | 0.81% | 0.82% | 0.81% | 0.79% | 0.76% | 0.77% | -5 bps | |
| Allowance Coverage of NPLs | 1.8x | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 19.35% | 18.64% | 18.76% | 19.34% | 19.79% | 18.62% | 18.61% | 18.46% | -88 bps | |
| Total Risk-Based Capital | 19.35% | 18.64% | 18.76% | 19.34% | 19.79% | 18.62% | 18.61% | 18.46% | -88 bps | |
| Equity / Assets | 20.03% | 18.99% | 19.28% | 19.88% | 19.90% | 19.19% | 17.94% | 18.65% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.52% | 112.19% | 111.96% | 112.77% | 117.87% | 121.07% | 110.00% | 108.34% | -443 bps | |
| Liquid Assets / Assets | 9.42% | 8.59% | 9.57% | 9.27% | 9.01% | 8.54% | 9.59% | 8.16% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 344% | 360% | 377% | n/a | n/a | |