Verus Bank of Commerce: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings climbed 1.54 percentage points in Q2 2026, from 3.87% to 5.41%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Verus Bank of Commerce is 30th of 63 on net interest margin, 4.10% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Verus Bank of Commerce sits 0.15 points higher, at 4.10% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.15% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 3.07% |
| Cost of interest-bearing liabilities | 3.03% |
| Cost of borrowings | 5.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $891K |
| Interest expense on deposits | $873K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans |
|---|---|---|---|---|
| Q3 2023 | 5.45% | 1.24% | 4.43% | 5.55% |
| Q4 2023 | 5.59% | 1.89% | 4.01% | 5.65% |
| Q1 2024 | 5.68% | 2.15% | 3.87% | 5.77% |
| Q2 2024 | 5.81% | 2.38% | 3.83% | 5.87% |
| Q3 2024 | 6.03% | 2.64% | 3.91% | 6.12% |
| Q4 2024 | 6.13% | 2.46% | 4.17% | 6.30% |
| Q1 2025 | 5.81% | 2.38% | 3.85% | 5.99% |
| Q2 2025 | 5.88% | 2.43% | 3.89% | 6.07% |
| Q3 2025 | 6.05% | 2.46% | 4.05% | 6.23% |
| Q4 2025 | 5.98% | 2.35% | 4.11% | 6.22% |
| Q1 2026 | 5.89% | 2.23% | 4.03% | 6.11% |
| Q2 2026 | 5.90% | 2.17% | 4.10% | 6.15% |
Verus Bank of Commerce yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Verus Bank of Commerce, freeSource: Call Report Schedules RI and RC-K, 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)