| Metric | Verus Bank of Commerce | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.8 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 5.5% | 11.9% | -6.4 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $202.4M | $162.9M | $175.1M | $37.7M | $1.0M | 1.02% | 4.13% | 0.00% |
| Q1 2026 | $207.1M | $161.2M | $175.9M | $37.1M | $411K | 0.82% | 4.07% | 0.00% |
| Q4 2025 | $191.6M | $138.7M | $166.6M | $36.8M | $2.3M | 1.20% | 4.10% | 0.00% |
| Q3 2025 | $190.2M | $141.2M | $165.1M | $37.9M | $1.4M | 1.00% | 4.03% | 0.00% |
| Q2 2025 | $187.4M | $145.8M | $163.1M | $37.3M | $820K | 0.86% | 3.99% | 0.00% |
| Q1 2025 | $190.7M | $148.6M | $165.0M | $36.8M | $293K | 0.61% | 3.98% | 0.00% |
| Q4 2024 | $192.3M | $150.1M | $167.0M | $36.5M | $2.4M | 1.25% | 4.04% | 0.00% |
| Q3 2024 | $190.1M | $143.2M | $164.0M | $38.1M | $1.6M | 1.11% | 3.95% | 0.39% |
Loan mix (Q2 2026): real estate $166.4M · commercial $8.7M · consumer $1.3M · securities $0
| Ratio | Verus Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 62.9% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Verus Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Verus Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Verus Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Verus Bank of Commerce | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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