Bank Comparison
Scott State Bank vs Verus Bank of Commerce
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Scott State Bank | Verus Bank of Commerce |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.63% | 18.61% |
| Equity / Assets | 11.34% | 17.94% |
Profitability
| Metric | Scott State Bank | Verus Bank of Commerce |
|---|---|---|
| Return on Assets (ROA) | 1.10% | 0.83% |
| Return on Equity (ROE) | 9.68% | 4.45% |
| Net Interest Margin (NIM) | 3.68% | 4.03% |
| Yield on Earning Assets | 4.62% | 5.89% |
| Cost of Funds | 1.03% | 2.24% |
Asset quality
| Metric | Scott State Bank | Verus Bank of Commerce |
|---|---|---|
| Texas Ratio | 2.35% | 0.00% |
| Non-Performing Loan Ratio | 0.01% | 0.00% |
| Non-Performing Asset Ratio | 0.01% | 0.00% |
| Net Charge-Off Ratio | 0.05% | 0.00% |
| ACL / Loans | 1.03% | 0.76% |
Balance sheet
| Metric | Scott State Bank | Verus Bank of Commerce |
|---|---|---|
| Total Assets | $207,498K | $207,082K |
| Total Deposits | $182,191K | $161,176K |
| Total Loans | $116,398K | $177,301K |
| Total Equity | $23,520K | $37,141K |
| Net Income (quarter) | $568 | $411 |
Liquidity & funding
| Metric | Scott State Bank | Verus Bank of Commerce |
|---|---|---|
| Loan-to-Deposit Ratio | 63.89% | 110.00% |
| Core Deposit Ratio | 93.49% | 99.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Scott State Bank | Verus Bank of Commerce |
|---|---|---|
| Headquarters City | BETHANY | FORT COLLINS |
| Headquarters State | IL | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 47 | 12 |
| Established | Jan. 1, 1887, 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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