Verus Bank of Commerce: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.81 percentage points lower than in Q1 2026, at 25.86%. On loan-to-deposit ratio, Verus Bank of Commerce ranks 5th highest among the 63 banks headquartered in Colorado, at 108.34% (Q2 2026). Verus Bank of Commerce reported 108.34% on loan-to-deposit ratio for Q2 2026, 27.39 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $176.4M |
| Net loans and leases | $175.1M |
| Loans held for sale | $0 |
| Loans to total assets | 87.18% |
| Loan-to-deposit ratio | 108.34% |
| Net loans to equity capital | 4.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 72.32% |
| Multifamily (5+ residential) | 0.96% |
| Commercial and industrial | 4.95% |
| Consumer | 0.71% |
| Credit cards | 0.00% |
| Farm | 0.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 305.55% |
| Construction concentration (Tier 1 capital + allowance) | 25.86% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.15% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $162.1M | $144.1M | 74.10% | 6.79% | 0.05% |
| Q4 2023 | $159.3M | $152.8M | 75.27% | 6.61% | 0.04% |
| Q1 2024 | $165.4M | $147.1M | 72.10% | 8.28% | 0.43% |
| Q2 2024 | $167.5M | $141.1M | 71.74% | 7.96% | 0.45% |
| Q3 2024 | $165.4M | $143.2M | 70.73% | 8.26% | 0.45% |
| Q4 2024 | $168.4M | $150.1M | 71.57% | 5.61% | 0.44% |
| Q1 2025 | $166.4M | $148.6M | 69.03% | 6.83% | 0.45% |
| Q2 2025 | $164.4M | $145.8M | 68.93% | 5.79% | 0.78% |
| Q3 2025 | $166.4M | $141.2M | 70.33% | 5.75% | 0.75% |
| Q4 2025 | $167.9M | $138.7M | 70.30% | 6.38% | 0.75% |
| Q1 2026 | $177.3M | $161.2M | 70.59% | 6.20% | 0.71% |
| Q2 2026 | $176.4M | $162.9M | 72.32% | 4.95% | 0.71% |
Verus Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Verus Bank of Commerce, freeSource: Call Report Schedule RC-C, 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)