Verus Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Verus Bank of Commerce of Fort Collins, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.21% | 1.34% | -0.13% | 46th below |
| ROAE | 6.54% | 13.32% | -6.78% | 19th bottom |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 59th above |
| Efficiency Ratio | 62.95% | 61.14% | +1.81% | 45th below |
| PPNR / Avg Assets | 1.58% | 1.68% | -0.10% | 49th below |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds | 2.17% | 1.88% | +0.29% | 28th below |
| Net Interest Spread | 2.87% | 3.32% | -0.45% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.77% | 1.28% | -0.51% | 9th bottom |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.46% | 12.14% | +6.32% | 95th top |
| Equity / Assets | 18.65% | 11.37% | +7.28% | 95th top |
| TCE / Tangible Assets | 18.65% | 11.09% | +7.56% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.34% | 80.63% | +27.71% | 5th bottom |
| Core Deposit Ratio | 83.04% | 86.86% | -3.82% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.97% | 6.85% | +1.12% | 75th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.31% | 7.90% | -0.59% | 62nd above |
| Deposit Growth (Y/Y) | 11.71% | 6.29% | +5.42% | 87th top |
See Verus Bank of Commerce's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Verus Bank of Commerce, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Verus Bank of Commerce profile, how to read a UBPR, or how this data updates.