Bank Comparison
Merchants and Planters Bank vs Verus Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Merchants and Planters Bank | Verus Bank of Commerce |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.61% | 18.61% |
| Equity / Assets | 17.26% | 17.94% |
Profitability
| Metric | Merchants and Planters Bank | Verus Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 0.83% |
| Return on Equity (ROE) | 6.09% | 4.45% |
| Net Interest Margin (NIM) | 4.21% | 4.03% |
| Yield on Earning Assets | 5.03% | 5.89% |
| Cost of Funds | 0.92% | 2.24% |
Asset quality
| Metric | Merchants and Planters Bank | Verus Bank of Commerce |
|---|---|---|
| Texas Ratio | 1.20% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.21% | 0.00% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 2.22% | 0.76% |
Balance sheet
| Metric | Merchants and Planters Bank | Verus Bank of Commerce |
|---|---|---|
| Total Assets | $207,215K | $207,082K |
| Total Deposits | $170,685K | $161,176K |
| Total Loans | $98,960K | $177,301K |
| Total Equity | $35,770K | $37,141K |
| Net Income (quarter) | $543 | $411 |
Liquidity & funding
| Metric | Merchants and Planters Bank | Verus Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 57.98% | 110.00% |
| Core Deposit Ratio | 92.88% | 99.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Merchants and Planters Bank | Verus Bank of Commerce |
|---|---|---|
| Headquarters City | RAYMOND | FORT COLLINS |
| Headquarters State | MS | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 6 | 1 |
| Employees (FTE) | 49 | 12 |
| Established | Feb. 1, 1906, 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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