Verus Bank of Commerce: how it compares with its peers
Against 31 CO banks with half to twice its assets, Verus Bank of Commerce's strongest measure in Q2 2026 is assets per employee ($16.9M vs. a $6.7M peer median). Its weakest relative measure is return on assets (1.02% vs. 1.09%).
| Measure | Verus Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.02% | 1.09% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 4.16% | Middle third Ahead of 48% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.44% | 67.89% | Middle third Ahead of 48% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.9M | $6.7M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 107.50% | 80.25% | Context |
What it means for lending operations
Its efficiency ratio of 68.44% is above the 67.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community State Bank Lamar, CO · $208M
- The Citizens State Bank of Ouray Ouray, CO · $231M
- Bank of Estes Park Estes Park, CO · $172M
- Home Loan State Bank Grand Junction, CO · $235M
- Equitable Savings and Loan Association Sterling, CO · $168M
- Park State Bank & Trust Woodland Park, CO · $162M
Questions about Verus Bank of Commerce
How big is Verus Bank of Commerce?
Verus Bank of Commerce, established in 2005, is headquartered in Fort Collins, CO. It reported $202M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Verus Bank of Commerce's return on assets?
1.02% annualized in Q2 2026, against a 1.09% median for 31 CO banks with half to twice its assets, ahead of 42% of them.
What is Verus Bank of Commerce's efficiency ratio?
68.44% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 67.89%, and lower is better.
Is Verus Bank of Commerce growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 11.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.