Bank Comparison
Verus Bank of Commerce vs Community State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Verus Bank of Commerce | Community State Bank |
|---|---|---|
| CET1 Ratio | — | 13.89% |
| Tier 1 Capital Ratio | — | 13.89% |
| Total Capital Ratio | — | 15.15% |
| Tier 1 Leverage Ratio | 18.61% | 12.26% |
| Equity / Assets | 17.94% | 11.65% |
Profitability
| Metric | Verus Bank of Commerce | Community State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.83% | 1.88% |
| Return on Equity (ROE) | 4.45% | 14.96% |
| Net Interest Margin (NIM) | 4.03% | 4.29% |
| Yield on Earning Assets | 5.89% | 6.61% |
| Cost of Funds | 2.24% | 2.56% |
Asset quality
| Metric | Verus Bank of Commerce | Community State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 4.53% |
| Non-Performing Loan Ratio | 0.00% | 0.76% |
| Non-Performing Asset Ratio | 0.00% | 0.59% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 0.76% | 2.57% |
Balance sheet
| Metric | Verus Bank of Commerce | Community State Bank |
|---|---|---|
| Total Assets | $207,082K | $212,212K |
| Total Deposits | $161,176K | $186,715K |
| Total Loans | $177,301K | $165,328K |
| Total Equity | $37,141K | $24,725K |
| Net Income (quarter) | $411 | $957 |
Liquidity & funding
| Metric | Verus Bank of Commerce | Community State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 110.00% | 88.55% |
| Core Deposit Ratio | 99.77% | 74.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Verus Bank of Commerce | Community State Bank |
|---|---|---|
| Headquarters City | FORT COLLINS | LAMAR |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 12 | 24 |
| Established | June 27, 2005, midnight | July 15, 2008, 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.
View full Verus Bank of Commerce profile | View full Community State Bank profile | Browse all bank comparisons