Verus Bank of Commerce is a state-chartered bank (fed member) headquartered in Fort Collins, Colorado, in business for about 21 years. At the end of Q2 2026 it reported $202.4M in total assets and $162.9M in deposits, with 1 office.
Based on its Q2 2026 filing, Verus Bank of Commerce scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 13th. Its strongest component is capital cushion (100/100; 18.46%), and its lowest is funding & liquidity (45/100; 108% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (82 → 84), mostly because the earnings component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 80 |
| Q4 2024 | 86 |
| Q1 2025 | 81 |
| Q2 2025 | 82 |
| Q3 2025 | 83 |
| Q4 2025 | 85 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.99% |
| Q3 2024 | 19.35% |
| Q4 2024 | 18.64% |
| Q1 2025 | 18.76% |
| Q2 2025 | 19.34% |
| Q3 2025 | 19.79% |
| Q4 2025 | 18.62% |
| Q1 2026 | 18.61% |
| Q2 2026 | 18.46% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.25% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.86% |
| Q3 2025 | 1.00% |
| Q4 2025 | 1.20% |
| Q1 2026 | 0.82% |
| Q2 2026 | 1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $202.4M | 18.46% | 0.00% | 1.02% | 107.5% |
| Q1 2026 | 83 | $207.1M | 18.61% | 0.00% | 0.82% | 109.2% |
| Q4 2025 | 85 | $191.6M | 18.62% | 0.00% | 1.20% | 120.1% |
| Q3 2025 | 83 | $190.2M | 19.79% | 0.00% | 1.00% | 116.9% |
| Q2 2025 | 82 | $187.4M | 19.34% | 0.00% | 0.86% | 111.8% |
| Q1 2025 | 81 | $190.7M | 18.76% | 0.00% | 0.61% | 111.1% |
| Q4 2024 | 86 | $192.3M | 18.64% | 0.00% | 1.25% | 111.3% |
| Q3 2024 | 80 | $190.1M | 19.35% | 0.45% | 1.11% | 114.6% |
| Q2 2024 | 75 | $193.8M | 18.99% | 0.81% | 1.01% | 117.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community State BankBank Lamar, CO | 78 out of 100, Strong | $208.1M | 12.5% | 0.90% | vs |
| The Citizens State Bank of OurayBank Ouray, CO | 67 out of 100, Moderate | $231.2M | 8.4% | 0.00% | vs |
| Bank of Estes ParkBank Estes Park, CO | 76 out of 100, Strong | $171.9M | 10.8% | 0.00% | vs |
| Home Loan State BankBank Grand Junction, CO | 68 out of 100, Moderate | $235.3M | 7.9% | 0.00% | vs |
| Equitable Savings and Loan AssociationBank Sterling, CO | 75 out of 100, Strong | $168.3M | 15.7% | 0.22% | vs |
| Park State Bank & TrustBank Woodland Park, CO | 77 out of 100, Strong | $162.3M | 11.3% | 0.05% | vs |
Deposit insurance
Is my money safe at Verus Bank of Commerce?
Yes. Verus Bank of Commerce is an FDIC-insured institution (FDIC certificate #58025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.9% of deposits ($35.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Verus Bank of Commerce lists 1 office in 1 city. Most locations:
- Fort Collins, CO (1)
Identity & history
Profile
- Legal name
- Verus Bank of Commerce
- Former names
- Fort Collins Commerce Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58025
- RSSD ID
- 3322468
- Primary regulator
- FED
- Holding company
- Verus Acquisition Group Inc
- Established
- June 27, 2005
- Headquarters
- 3700 S College Ave, Fort Collins, CO 80525
- Website
- www.verusboc.com
- Employees
- 12
Quick answers
Verus Bank of Commerce: common questions
Is Verus Bank of Commerce FDIC insured?
Yes. Verus Bank of Commerce is an FDIC-insured institution (FDIC certificate #58025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Verus Bank of Commerce's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Verus Bank of Commerce ever failed?
There is no failure record for FDIC certificate #58025 in the FDIC failed bank list.
How many branches does Verus Bank of Commerce have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Collins
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| Weld Community Credit UnionCredit union Greeley, CO | 78 out of 100, Strong | $109.6M | 11.3% | 0.16% | vs |
| Union Bank and Trust CompanyBank Lincoln, NE | 76 out of 100, Strong | $9.2B | 10.6% | 0.32% | vs |
| Equitable Savings and Loan AssociationBank Sterling, CO | 75 out of 100, Strong | $168.3M | 15.7% | 0.22% | vs |
| Waypoint BankBank Cozad, NE | 75 out of 100, Strong | $391.5M | 10.9% | 0.59% | vs |