VALLEY BANK OF COMMERCE
VALLEY BANK OF COMMERCE is an FDIC-insured commercial bank headquartered in ROSWELL, NM, established in 1978. As of , 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 7.57%. CET1 capital ratio: 23.79%, well above regulatory minimums. NPL ratio: 3.27% · Texas Ratio: 11.83%. Operates 3 domestic branches.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Valley Bank of Commerce rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 23.79% | 3.59% | 3.27% | 11.83% | 7.57% |
| 2025-09-30 | 24.56% | 3.86% | 3.93% | 14.31% | 5.17% |
| 2025-06-30 | 24.13% | 3.80% | 3.17% | 11.06% | 6.97% |
| 2025-03-31 | 23.17% | 2.74% | 3.07% | 11.48% | 5.92% |
| 2024-12-31 | 23.81% | 3.12% | 3.55% | 12.73% | 8.23% |
| 2024-09-30 | 22.93% | 3.99% | 4.44% | 17.69% | 6.02% |
| 2024-06-30 | 20.22% | 4.08% | 4.49% | 18.84% | 6.23% |
| 2024-03-31 | 19.92% | 4.11% | 2.70% | 12.81% | 5.73% |
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Frequently asked about VALLEY BANK OF COMMERCE
What are Valley Bank of Commerce's total assets?
As of the Q4 2025 filing, Valley Bank of Commerce reported total assets of $291.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Valley Bank of Commerce headquartered?
Valley Bank of Commerce is headquartered in ROSWELL, NM, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Valley Bank of Commerce founded?
Valley Bank of Commerce was established in 1978, per the FDIC institution directory.
Is Valley Bank of Commerce FDIC-insured?
Yes. Valley Bank of Commerce is an FDIC-insured commercial bank (FDIC Certificate #22600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valley Bank of Commerce?
Valley Bank of Commerce's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Valley Bank of Commerce's CET1 capital ratio?
Valley Bank of Commerce reported a Common Equity Tier 1 (CET1) capital ratio of 23.79% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Valley Bank of Commerce operate?
Valley Bank of Commerce operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Valley Bank of Commerce's Texas Ratio?
Valley Bank of Commerce's Texas Ratio is 11.83% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.