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Verus Bank of Commerce

$100M-$1B Specialty: Commercial CO FDIC cert 58025

Fort Collins, CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
  • Deposits +11.7% year over year ($162.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.02%.
  • Efficiency ratio 68.44% vs a 64.48% peer average.
  • Loan-to-deposit ratio 107.50% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO
View $100M-$1B leaderboard (CO) →

Verus Bank of Commerce has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 48.6% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 15.1% in tier
  • - ROA 0.30% below tier average
  • - Efficiency Ratio 3.96% above tier average
Get updates when Verus Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $202.4M
+8.0% YoY -2.3% QoQ
-$184.2M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
27%
Total Loans ? $175.1M
+7.4% YoY -0.5% QoQ
-$83.3M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
42%
Total Deposits ? $162.9M
+11.7% YoY +1.0% QoQ
-$163.9M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 1.02%
+18.4% YoY +23.8% QoQ
-0.30% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 4.13%
+3.6% YoY +1.6% QoQ
+0.15% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 68.44%
-6.2% YoY -7.7% QoQ
+3.96% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 107.50%
-3.9% YoY -1.5% QoQ
+29.55% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
Bottom 4.6% in tier
Non-Interest-Bearing Deposit Share ? 31.53%
+6.5% YoY +11.9% QoQ
+9.50% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
85%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 18.46%
-4.6% YoY -0.8% QoQ
+2.55% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.12%
-27.5% YoY +103.1% QoQ
-0.44% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Noninterest-Bearing 31.5%
+1.9pp YoY
+3.4pp QoQ
 +9.4pp 22.1% 23.5% 22.2% 85%
Brokered Deposits 16.7%
-5.6pp YoY
-0.2pp QoQ
 +8.9pp 7.9% 7.4% 8.5% 87%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I 5.0%
-0.8pp YoY
-1.3pp QoQ
 -6.6pp 11.6% 8.4% 12.5% 20%
CRE 79.5%
+2.4pp YoY
+0.9pp QoQ
 +40.0pp 39.5% 42.8% 41.4% 97%
1-4 Family 15.1%
-1.8pp YoY
+0.2pp QoQ
 -17.5pp 32.6% 33.0% 31.3% 20%
Consumer 0.7%
-0.1pp YoY
0.0pp QoQ
 -3.4pp 4.1% 3.9% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 24.9% 19.7% n/a
Leverage Ratio 18.5%
-0.9pp YoY
-0.1pp QoQ
 +6.3pp 12.2% 12.5% 12.6% 95%
Total Capital Ratio n/a n/a 19.9% 26.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 12
+1 (+9.1%) YoY
0 QoQ
 -47 58 107 482 2%
Assets per Employee ($) $16.9M
-1.0% YoY
-2.3% QoQ
 +$9.3M $7.5M $7.8M $8.8M 98%
Branch Count 1
0 YoY
0 QoQ
 -4 4 7 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 12.16x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 5.5%
+1.0pp YoY
+1.0pp QoQ
 -6.7pp 12.2% 9.7% 11.6% 15%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.7% 1.7% 62%
Net Income ($, YTD) $1.0M
+24.8% YoY
— QoQ
 -$1.5M $2.6M $5.4M $40.4M 27%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#321 of 659 • Top 48.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#113 of 742 • Bottom 15.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.46%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 107.50%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
400
Non-Interest-Bearing Deposit Share
funding
Value: 31.53%
Peer Median: 22.03%
#400 of 2643 Top 15.1% in $100M-$1B
461
Tier 1 Capital Ratio
capital
Value: 18.46%
Peer Median: 15.91%
#461 of 2643 Top 17.4% in $100M-$1B

Top Weaknesses (2 metrics)

2523
Loan-to-Deposit Ratio
liquidity
Value: 107.50%
Peer Median: 77.95%
#2523 of 2643 Bottom 4.6% in $100M-$1B
1991
Total Deposits
size
Value: $162.86M
Peer Median: $326.73M
#1991 of 2643 Bottom 24.7% in $100M-$1B
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