FDIC Cert #58025 · Fort Collins, Colorado · Est. 2005

Verus Bank of Commerce - FDIC Bank Health Profile

A community-scale look at Verus Bank of Commerce's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$192M
Total assets
A
Health grade · Excellent
1.20%
Return on assets
18.6%
Tier 1 capital

Data updated July 2026

The verdict

Verus Bank of Commerce earns a PlainBankData health grade of A (88/100), with well-capitalized at 18.62% Tier 1, profitable at 1.20% ROA, 63% efficiency ratio.

#3,067
largest of 4,313 FDIC banks by assets
29th
percentile by asset size, nationally
18.62%
Tier 1 ratio - above the 10% well-capitalized line
57th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 58025 · CO A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #1064/4307
  • PHOTO-FINISH Bank of San Francisco · CA
  • TIER1-WELL 18.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 1.20% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: Bank of San Francisco, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Verus Bank of Commerce

Lowest and highest poles plus nearest scored peers outside Colorado, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of San Francisco · CA ·…88/100Eagle Bank · MT · near88/100Flint Community Bank · GA · …88/100Sallie Mae Bank · UT · near88/100Verus Bank of Commerce · CO …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Verus Bank of Commerce · July 2026

Call Report read for Verus Bank of Commerce in a high-failure state

Verus Bank of Commerce (FDIC Cert #58025) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,064 of 4,307. Tier 1 capital prints at 18.62%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.20%. Balance-sheet scale is $192M, 3,067th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of San Francisco (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Verus Bank of Commerce

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

Verus Bank of Commerce sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Verus Bank of Commerce's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Colorado banks.

How Verus Bank of Commerce's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Verus Bank of Commerce's composite health score
Tier 1 Capital Ratio (18.62%) 40/40
Return on Assets (ROA) (1.20%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (62.87%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$192M

Total balance-sheet footings

Total Deposits

$139M

Customer-funded liabilities

Net Loans

$167M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.22% 18.62% 20.02%
Basel III capital ratios - Verus Bank of Commerce

Where Verus Bank of Commerce ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Verus Bank of Commerce's score of 88/100 falls in the highlighted band.

Verus Bank of Commerce: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 25% higher than 75% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Verus Bank of Commerce 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Verus Bank of Commerce's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Verus Bank of Commerce's $192M falls in the highlighted band.

Capital & credit buffers at Verus Bank of Commerce

Tier 1 capital ratio
Well-capitalized 10%

18.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.62%
Texas Ratio
0.00%
Equity Capital
$37M

What these ratios mean →

Earnings posture at Verus Bank of Commerce

Return on Assets (ROA)
57th percentile nationally
1.20%
Return on Equity (ROE)
6.19%
Efficiency Ratio
62.87%

What these mean →

Income & expense at Verus Bank of Commerce

$11M
Interest Income
$585K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Verus Bank of Commerce reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Verus Bank of Commerce on FDIC BankFind →

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

Top 5 banks in Colorado ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($192M here), outside Colorado so the neighborhood is not state containment.

FWBank $192M · IL Bristol Morgan Bank $192M · WI The Farmers State Bank $191M · OK Lone Star Bank $191M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Verus Bank of Commerce (FDIC Cert #58025) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Verus Bank of Commerce Call Report profile · FDIC Failed Bank List · Colorado FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
FirstBankLakewood $26.5B A 1.20%
NBH BankGreenwood Village $9.8B A 1.18%
Bank of ColoradoFort Collins $7.7B A 1.07%
Alpine BankGlenwood Springs $6.9B A 1.16%
First Western Trust BankDenver $3.2B C 0.51%
ANB BankDenver $3.0B B 0.81%
Colorado Federal Savings BankGreenwood Village $2.7B A 0.57%
Solera National BankLakewood $1.6B B 1.86%