BanksVALLEY BANK OF COMMERCE

VALLEY BANK OF COMMERCE

ROSWELL, NMSmallEst. Feb. 1, 1978, midnightFDIC #22600RSSD #481159FDIC
Latest · 2025-12-31

VALLEY BANK OF COMMERCE is an 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%. CET1 capital ratio: 23.79%, well above regulatory minimums. NPL ratio: 3.26% · Texas Ratio: 11.80%. Operates 3 domestic branches.

Assets
$291M
Deposits
$248M
Loans
$157M
Equity
$43M

Profitability

Return on Assets (ROA)3.59%
Return on Equity (ROE)24.11%
Net Interest Margin6.51%
Yield on Assets7.43%
Cost of Funds1.00%

Asset Quality

NPL Ratio3.26%
Net Charge-Off Ratio0.48%
Texas Ratio11.80%
NPA Ratio1.83%
ACL / Loans1.69%

Capital & Liquidity

CET1 Ratio23.79%
Tier 1 Capital23.79%
Total Capital Ratio25.04%
Leverage Ratio14.94%
Loan-to-Deposit63.28%

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