# VERUS BANK
DERBY, KS · FDIC certificate 21463 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $139.3M | |
| Deposits | $123.0M | |
| Loans and leases | $91.6M | |
| Total equity | $10.9M | |
| Loans / deposits | 73.77% (p44 of band) | 77.51% |
| Liquid assets / assets | 29.21% (p49 of band) | |
| Uninsured deposits / deposits | 11.60% (p31 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.84% (p60 of band) | |
| FHLB advances / assets | 3.14% | |
| Tier 1 leverage | 7.98% (p3 of band) | 11.30% |
| Unrealized securities loss / equity | -4.77% (p22 of band) | -1.85% |
| AOCI / equity | -1.78% (p29 of band) | |
| ROA (annualized) | 0.56% (p22 of band) | 0.99% |
| Net interest margin | 3.85% (p51 of band) | 3.82% |
| Efficiency ratio | 87.69% (p88 of band) | |
| Noncurrent loans | 0.05% (p22 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 2009.09% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 47.07% (p77 of band) | |
| Auto loans | $2.8M (3.09% of loans; DQ 0.78%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-15 [Josh Mark, Citizens Bank of Kansas - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxNSHI1a1N5TmVrU0RpRWduYWRJdlNZNmVncC1pbjhqb3RUNWN2MTlBaHZVNUs4SkhCLXJhM2lja0piOHJCOXRqZjlycHZ4bFF6a3Z6bWloamVpSHhlb2FHT0czRGtrZkJTSGhhbzhoMFJ5MlllN3g5UEtZS2dzTTEyVzFYRkJNMXc3OUtMY0Q5R1pMN0N1RDdmc0hUSmc1RWIwMXRRZlpmM2s1c0dOZlUxVUZ3?oc=5) · The Business Journals
- 2018-09-24 [Citizens Bank of Kansas and Verus Bank to merge - Wichita Eagle](https://news.google.com/rss/articles/CBMilgFBVV95cUxQc3BUazZ3WWN3RHFZM0d6MjI1ZEZSVUZMQnZYWjVCTzBrZmdEM2FVV1dOYzZBeEV1OWxkbjlXME5FTDFod3d6S1hRSlU0Rnhhd0xMSjBqeE5jbkRmTml1WEZ4MnR3dldnS3V6WkpPX1FFTXJNMlluOC1BTDdweFR3RjRpTzNoc3ZaZ0I0cjZuTkRBblQ0SEHSAZYBQVVfeXFMTVZFeGtxTlR2RW9ydjc4TXdkNldhQTZCeW1tMk9seUl6cFpfak42SXczd0ZDbHJpRlZHZzh4aTh4TDQ0MWhqbXplSUgxbU9DbWtRYkRTSlBWMW5vemlRd3VpbW43ZkR3QTVMZ0NJdm9IbVh4S3RHNU0weFdBUlROQWxHNWtLdnVtQm4zZ29qOEJLcmZlUWhR?oc=5) · Wichita Eagle
- 2019-04-10 [Community bank presidents named - DerbyInformer.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNWnR5U3pYeHlSRnRzN3B0Qkw0azR2cWV4VUhvcXFldGRCODRQdE5DbUM4dWlhTjhZdXZIUnR4Y0UybTRyRm1rSW90aXJOSjZWZGJwaG1vdXQ0RlZZOXpvS0VwNXA3Vmk4V1pXdjdERlMxRGt0MTd4VHluN1dTb21CdVp3Vmdic2JfbzNXTzZPZm9GdjhSWTk4MHBxaEp5TDRlYkdFQURDR2o5RjcxanVwM05nWjhsNnNEcGhCdm9aODJSVnc?oc=5) · DerbyInformer.com
- 2021-12-12 [Phillip Green Obituary (2004) - Wichita, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQdmVMOXNZa2hCSGZ3VmduOWJmeDlRbkZTTjNvWm1sSVRydVFMamltSTE2a2ltNVBuSnU4QVVIdVRoZnhEOHFudUdLYUJoUmItMlJ1eXZMWE9WU0FxdVpmeWFraGcyNEVqanB6VkIycFFaLUxrNmQ5d2V2cVUyZ3JNcGFNQWVISTl2UF9V?oc=5) · legacy.com
- 2022-09-11 [DHS, CBK partnership continues to pay off - DerbyInformer.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNQ2dNQ255RFNEUlNBaW56VENUUTVHV1dNMldtcjBDMVZwZjFxU0hieWhnLTVoMnd4YU1WZmZHQUk3ZnVaMzQ0ajdySHMwQTM1eUxUV25vYVRyU0J0TzUtZmVWUklqRlNVSE9UN245TkpacEtRT0xhcVdfdndPUDY4cWJfVE95d1RJcVJSWnFQd01YZkZNbjRmQW1nUkRfZ3pORmhmbTdINk5WTVpWbk4wdWZUUDI4RmJGLWUtZkRPclV4TFoyRGJKRUxqQkFUVjA?oc=5) · DerbyInformer.com
- 2019-07-22 [How one bank plans to grow its SBA lending program in Colorado - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxOb05WaWdxYnBONDNHRzUzVTN2YnJ3bHR1T3d4V3V1eVluYmx5anBwb3hZLVZJYWhvZ0Z2c3RESDhNNFNQbEJ2X1lBdXFPU2pzcnNjZUY1ZVE0RlRTSlgyRlRqY2R4NjBWaHVISmloaHJxU1I2Mk1KYmxZMkcwa2RiTG45RjNCVGxSdE1XaDVwZm13ZTRa?oc=5) · The Business Journals
- 2018-02-18 [Richard Chase Obituary (2018) - El Dorado, KS - Wichita Eagle - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSEcxb2VqNXFTVTFtdl9JZlh2OV91bHBwTVZaT3JrdHNHWUJjS0VDZ1JfQVY1U25hZGlEREx0WmwzaHJEZkhueXdGam9vWXhicTliZk00YUMtU2wtM3RsU2NRdDB4bHpWakV2cFJhWWZ2cG5XUGpfeFc0TXRQSTB5Sk05b0VheVVDOHc?oc=5) · legacy.com
- 2024-09-23 [Derby football coach and local banker write book on culture - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNMDlNeTRyTGQ1WXNlUE5mX1BVUDRzWDFoekNDQmx6T1FaWVE2RlFqVnl4X3hRRXZDczRLLVZ6bzRmTUFZUzMtakt2VFpwaVItQkhiWmtQSnIwWjVobWk0VWRYaVgzbFpRZ3FaTGhfdm9hY2pLWl9SX284ZEhrbm1ybkxVQkozc2hfV2g5VFREWms1ejk5TVE4N241UUFjSDVfcUR5UQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21463 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "21463", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide