Verus Bank of Commerce
Fort Collins, Colorado · FDIC Cert #58025
This is the FDIC profile for Verus Bank of Commerce, an FDIC-insured bank (Certificate #58025) with $194M in total assets and $141M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Fort Collins, Colorado, the bank maintains a Tier 1 capital ratio of 18.99% (Well-Capitalized) and a nonperforming loan ratio of 0.81%. BankHealthData assigns a composite Health Grade of B (74/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Verus Bank of Commerce (FDIC cert 58025) is a community bank — $194M in total assets, $141M in deposits, serving the Fort Collins, Colorado area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.99% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.81% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 11.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.35% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Verus Bank of Commerce carries a composite BankHealth grade of B (74/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Verus Bank of Commerce
- Total Assets
- $194M
- Total Deposits
- $141M
- Tier 1 Capital Ratio
- 18.99%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.81%
- Liquidity Ratio
- 11.18%
- Return on Assets
- 1.35%
- Headquarters
- Fort Collins, Colorado
- FDIC Certificate
- #58025
- Health Grade
- B (74/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Verus Bank of Commerce files quarterly Call Reports with the FDIC under Certificate #58025. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Verus Bank of Commerce holds a Tier 1 capital ratio of 18.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Verus Bank of Commerce has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Verus Bank of Commerce shows strong financial health indicators. With $194M in assets and a Health Score of 74/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Verus Bank of Commerce Compares
Verus Bank of Commerce’s Health Score of 74 is 7 points below the Colorado state average of 81 across 62 FDIC-insured banks. Its 18.99% Tier 1 capital ratio is 5.0 points above the US banking industry average near 14%. The 0.81% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.35% is in line with or above the national ROA benchmark of ~1.1%. Among 1516 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Verus Bank of Commerce is 6 points below the portfolio average of 80.
Frequently Asked Questions
Verus Bank of Commerce has a Bank Health Score of B (74/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 18.99%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Verus Bank of Commerce's Tier 1 capital ratio of 18.99% and nonperforming loan ratio of 0.81% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Verus Bank of Commerce is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58025). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Verus Bank of Commerce holds $194M in total assets and $141M in total deposits. It is headquartered in Fort Collins, Colorado (FDIC Certificate #58025).
Verus Bank of Commerce's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #58025 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Verus Bank of Commerce has a Tier 1 capital ratio of 18.99%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.81%, and the return on assets is 1.35%.
Yes. Verus Bank of Commerce is FDIC-insured (Certificate #58025). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Verus Bank of Commerce's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.