Verus Bank of Commerce: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 100.0% lower than in Q1 2026, at $0. Among 63 Colorado banks, Verus Bank of Commerce sits 5th from the top on loan-to-deposit ratio, 108.34% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Verus Bank of Commerce sits 27.50 points higher, at 108.34% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $24.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $24.1M |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 1.28% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.34% |
| Net loans and leases to deposits | 107.50% |
| Loans and leases to core deposits | 108.58% |
| Core deposits to total deposits | 83.04% |
| Brokered deposits to total deposits | 16.74% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 112.46% | 90.41% | $0 | $18.0M |
| Q4 2023 | 104.28% | 90.95% | $978K | $0 |
| Q1 2024 | 112.44% | 92.35% | $0 | $22.0M |
| Q2 2024 | 118.64% | 85.25% | $0 | $14.0M |
| Q3 2024 | 115.52% | 80.74% | $0 | $7.5M |
| Q4 2024 | 112.19% | 77.77% | $0 | $2.1M |
| Q1 2025 | 111.96% | 77.25% | $0 | $4.4M |
| Q2 2025 | 112.77% | 77.47% | $0 | $3.5M |
| Q3 2025 | 117.87% | 76.90% | $0 | $10.1M |
| Q4 2025 | 121.07% | 76.49% | $0 | $13.3M |
| Q1 2026 | 110.00% | 82.87% | $0 | $8.0M |
| Q2 2026 | 108.34% | 83.04% | $0 | $0 |
Verus Bank of Commerce liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Verus Bank of Commerce, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Verus Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58025) · FFIEC NIC profile (RSSD 3322468)