BlastPoint's Banking Scorecard
Verus Bank of Commerce
Micro
Specialty: Commercial
CO
FDIC cert 58025
Designations: ✓ Community bank
Fort Collins, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Verus Bank of Commerce demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 45.58% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.6M
-0.3% YoY
+0.7% QoQ
|
-$25.9M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$166.6M
-0.2% YoY
+0.9% QoQ
|
+$27.4M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$138.7M
-7.6% YoY
-1.8% QoQ
|
-$44.9M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.20%
-3.8% YoY
+21.0% QoQ
|
+0.12% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.10%
+1.5% YoY
+1.7% QoQ
|
+0.25% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
62.87%
+3.8% YoY
-8.8% QoQ
|
-4.85% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
120.10%
+7.9% YoY
+2.7% QoQ
|
+45.58% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.23%
+6.1% YoY
+3.0% QoQ
|
+7.84% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
+2.8% YoY
+26.8% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
120.10%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 120.10% · Tier avg: 74.53%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.23% · Tier avg: 22.39%
66
66th pctile
Total Loans
Current: $166.6M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
59
59th pctile
Efficiency Ratio
Current: 62.87% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Assets
Current: $191.6M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $138.7M · Tier avg: $183.7M
41
41th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
Top Weaknesses
41
41th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
42
42th pctile
Total Deposits
Current: $138.7M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $191.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Efficiency Ratio
Current: 62.87% · Tier avg: 67.73%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
66
66th pctile
Total Loans
Current: $166.6M · Tier avg: $139.2M
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.23% · Tier avg: 22.39%
99
99th pctile
Loan-to-Deposit Ratio
Current: 120.10% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%