# VERUS BANK OF COMMERCE
FORT COLLINS, CO · FDIC certificate 58025 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $202.4M | |
| Deposits | $162.9M | |
| Loans and leases | $176.4M | |
| Total equity | $37.7M | |
| Loans / deposits | 107.50% (p95 of band) | 73.59% |
| Liquid assets / assets | 11.91% (p6 of band) | |
| Uninsured deposits / deposits | 21.92% (p57 of band) | 19.81% |
| Brokered deposits | 13.47% | |
| Wholesale funding | 13.47% (p89 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.46% (p88 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.02% (p40 of band) | 1.17% |
| Net interest margin | 4.13% (p61 of band) | 3.93% |
| Efficiency ratio | 68.44% (p57 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 26.47% (p61 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | capital falling |  |
| 2012-06 | 4 |  | capital falling |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 5 | reserve under noncurrent |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 | uninsured deposits leaving | reserve under noncurrent |
| 2014-03 | 5 |  |  |
| 2014-06 | 6 | charge-offs p90 |  |
| 2014-09 | 6 |  |  |
| 2014-12 | 6 | deposits shrinking | uninsured deposits leaving |
| 2015-03 | 6 | capital falling | charge-offs p90 |
| 2015-06 | 4 |  | deposits shrinking, capital falling |
| 2015-09 | 3 |  | wholesale funding >15% |
| 2015-12 | 4 | wholesale funding >15% |  |
| 2016-03 | 6 | capital falling, assets shrinking |  |
| 2016-06 | 6 | deposits shrinking | capital falling |
| 2016-09 | 6 |  |  |
| 2016-12 | 3 |  | liquid assets <10%, wholesale funding >15%, deposits shrinking |
| 2017-03 | 3 | liquid assets <10% | brokered >10% |
| 2017-06 | 5 | wholesale funding >15%, deposits shrinking |  |
| 2017-09 | 4 |  | assets shrinking |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | deposits shrinking |
| 2018-09 | 2 |  | wholesale funding >15% |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | wholesale funding >15%, capital falling |  |
| 2019-06 | 4 | brokered >10% | capital falling |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 |  | liquid assets <10% |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | deposits shrinking, assets shrinking |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 | uninsured deposits >50% | brokered >10% |
| 2022-03 | 2 |  | uninsured deposits >50% |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | loans exceed deposits |  |
| 2023-09 | 5 | wholesale funding >15% |  |
| 2023-12 | 4 |  | wholesale funding >15% |
| 2024-03 | 4 | wholesale funding >15% | assets shrinking |
| 2024-06 | 3 | brokered >10% | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 4 |  | assets shrinking |
| 2025-03 | 5 | assets shrinking |  |
| 2025-06 | 3 |  | uninsured deposits leaving, assets shrinking |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | deposits shrinking |  |
| 2026-03 | 4 | capital falling | deposits shrinking |
| 2026-06 | 3 |  | wholesale funding >15% |

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

- 2026-03-29 [Banks confront surge in AI-driven fraud risks - BizWest](https://news.google.com/rss/articles/CBMigwFBVV95cUxQdzJKYXVFZzNrRWprcjFTckNXRmxuc0JfSmNSRVRaS0Vqc2piX2tMMmo1ZWJRa2ctN1dtdkxPSklPOVVKYXhweHBnMUdMbmRXckNoa3NfajFWeUd3XzhUZVFOQm4zQzlqN2RBeTI4d2ExbnhBdVd4VzFwQ0Z3andBYmJSTQ?oc=5) · BizWest
- 2015-01-26 [Verus Bank announces $5.7M in earnings - The Coloradoan](https://news.google.com/rss/articles/CBMikwFBVV95cUxORUpONklmb1ZVQ0xXUS1LV2xMOVRUZ04yaWhxWk50OVZFODdkbi1DdzhWQ0YxZkRzajQ0YmdHWlBJTjFuU2VBN1hUMlR0M2tIZmE5eGc2a0w5V0cwM2JCdjlqWF9scFk4LU8zeURsUlFWVlFqTm1jaEx4X2dyblVlMGlWWC0ta0h1bXV4NVJQWjhGems?oc=5) · The Coloradoan
- 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
- 2026-01-16 [Madeline M. Parr Obituary Jan 16, 2026 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBJeGM0MGxoMTJveEo4YnFnNjhkamotajRaU0Z1Ui1nVVVYVXEyWlFnejZjRU02MzZzdDFwM3VJTzNBZm9aWGNUbV9CN0RyYzJYNHJPVThXUi1Mdw?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center
- 2020-06-17 [Ben Gates – NG Companies - Blueprint Magazine](https://news.google.com/rss/articles/CBMia0FVX3lxTE96OC1vbE02OTZFakFXM1BCOG8yanVhOEJPNERQbmxfYVY2OFJXZFNrYVlkcDVuTVdmUXd0UElSNDhBLTZZbVVNcmJXdEJmRWJfeHBHQURPQjFIWEp1WS1Qamo3Y1NzbzRfU2VN?oc=5) · Blueprint Magazine
- 2025-11-10 [PNC-FirstBank merger shakes up Colorado banking - BizWest](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQ0tZU1A2cG9yZ25zN014QlEwMzAyVVM5VzVHUE1ZQ0FaN3ZUU2hteFZyYng2V1pxc2RYRGRkLUlUZHJZbGl1VVZmdExaYm1IUnlMeUJGNEtZR2s3VjlpRTkzNmI4b0gyTmoxTG5Famh3Z1IzRjlHdWRybFRRRVF0Q3haVjZfUQ?oc=5) · BizWest
- 2016-01-07 [Community-owned Verus Bank delivers dividend - The Coloradoan](https://news.google.com/rss/articles/CBMiswFBVV95cUxNVVJSS0hKNWhRc21YcW40amNhYVZOLVJtb05fR2Z0N3JXUjFraU4tNEZwQjFmemt1NFFrS0lJanRXaTVnZDFfOVlqVzZiVDRnQThWVzRmM1hBVjQwclgwM1g5M3VfMTFaT0hTSlFETTBSSzFXSDlWS20wQkNhWDh2UWZRTHRjSW1wR0Z4RWNIWGNLRDJjUGQ5VldwRElWME9OTGFGdDVFcVJGdHAwUld5R1FNTQ?oc=5) · The Coloradoan
- 2019-11-12 [Colorado has seen 127 bank branches close in 5 years. Here's what that means for business. - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaXVnWlZFMXBnX21qYVZzdUtBUEIwUjRydTJfblAyV1d1OURqdzl1NHhNYUVETWpRVVdKeFIzbGYwOW1ud2ZnbTBkQ1ZaNXBkc3FlWjhDaFVZSXBWak15dExlc1JmaVRyMF9qZmtGU21NMnE5THVndklTLWhnUkxKa0dUdXV2ZF9YRUlGQVY0SW1yR3FYd3gycw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58025 (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/41.json (key "58025", 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.

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