Bank Comparison
Central Bank and Trust vs Verus Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Central Bank and Trust | Verus Bank of Commerce |
|---|---|---|
| CET1 Ratio | 17.11% | — |
| Tier 1 Capital Ratio | 17.11% | — |
| Total Capital Ratio | 17.89% | — |
| Tier 1 Leverage Ratio | 8.64% | 18.61% |
| Equity / Assets | 8.39% | 17.94% |
Profitability
| Metric | Central Bank and Trust | Verus Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 2.05% | 0.83% |
| Return on Equity (ROE) | 24.24% | 4.45% |
| Net Interest Margin (NIM) | 4.44% | 4.03% |
| Yield on Earning Assets | 5.08% | 5.89% |
| Cost of Funds | 0.68% | 2.24% |
Asset quality
| Metric | Central Bank and Trust | Verus Bank of Commerce |
|---|---|---|
| Texas Ratio | 1.14% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.10% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.72% | 0.76% |
Balance sheet
| Metric | Central Bank and Trust | Verus Bank of Commerce |
|---|---|---|
| Total Assets | $207,011K | $207,082K |
| Total Deposits | $189,450K | $161,176K |
| Total Loans | $111,083K | $177,301K |
| Total Equity | $17,361K | $37,141K |
| Net Income (quarter) | $1,037K | $411 |
Liquidity & funding
| Metric | Central Bank and Trust | Verus Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 58.63% | 110.00% |
| Core Deposit Ratio | 97.11% | 99.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Central Bank and Trust | Verus Bank of Commerce |
|---|---|---|
| Headquarters City | LANDER | FORT COLLINS |
| Headquarters State | WY | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 40 | 12 |
| Established | Jan. 31, 1890, midnight | June 27, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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