BlastPoint's Banking Scorecard
Verus Bank of Commerce
Fort Collins, CO
Verus Bank of Commerce has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 13.4% in tier
- - ROA 0.44% below tier average
- - Efficiency Ratio 8.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$207.1M
+8.6% YoY
+8.1% QoQ
|
-$179.0M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$175.9M
+6.6% YoY
+5.6% QoQ
|
-$79.8M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$161.2M
+8.5% YoY
+16.2% QoQ
|
-$166.8M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.82%
+34.7% YoY
-31.5% QoQ
|
-0.44% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
4.07%
+2.1% YoY
-0.8% QoQ
|
+0.14% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
74.13%
-7.8% YoY
+17.9% QoQ
|
+8.85% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
109.16%
-1.7% YoY
-9.1% QoQ
|
+32.53% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.17%
-3.0% YoY
-6.8% QoQ
|
+6.15% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
18.61%
-0.8% YoY
-0.1% QoQ
|
+2.78% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.06%
-11.4% YoY
-79.9% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
27% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.