VALLEY BANK OF COMMERCE

ROSWELL, NM | Small | Est. Feb. 1, 1978, midnight | FDIC #22600 | RSSD #481159 | FDIC
Latest Report: 2025-12-31

VALLEY BANK OF COMMERCE is asn small FDIC-insured commercial bank headquartered in ROSWELL, NM, established in Feb. 1, 1978, midnight. As of 2025-12-31, the bank reported total assets of $291M and total deposits of $248M. Profitability stands at 3.59% ROA and 24.11% ROE, with a net interest margin of 6.51%. The bank's CET1 capital ratio is 23.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.26% and a Texas Ratio of 11.80%. FDIC Certificate #22600.

Assets

$291M

Deposits

$248M

Loans

$157M

Equity

$43M

Profitability

Return on Assets (ROA) 3.59%
Return on Equity (ROE) 24.11%
Net Interest Margin (NIM) 6.51%
Yield on Assets 7.43%
Cost of Funds 1.00%

Asset Quality

NPL Ratio 3.26%
Net Charge-Off Ratio 0.48%
Texas Ratio 11.80%
NPA Ratio 1.83%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 23.79%
Tier 1 Capital 23.79%
Total Capital Ratio 25.04%
Leverage Ratio 14.94%
Loan-to-Deposit 63.28%

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