Valley Bank of Commerce
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Data as of · sourced from FFIEC call reports. How we update
Valley Bank of Commerce is an FDIC-insured commercial bank headquartered in Roswell, NM, established in 1978 (FDIC certificate 22600), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $304.1M, up 13.6% from Q2 2025, the 19th largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 23.30% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22600
- Headquarters
- Roswell, NM
- Established
- 1978
- Total assets, Q2 2026
- $304.1M
- Assets vs Q2 2025
- +13.6%
- CET1 ratio, Q2 2026
- 23.30%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 112203122
- Latest call report
- Q2 2026, FFIEC 051 · Valley Bank of Commerce call report
- Holding company
- COMMERCE BANCSHARES OF ROSWELL, INC.
- Asset rank in state
- 19th of 29 in New Mexico
Valley Bank of Commerce is one of the more profitable banks of its size. Its balance sheet stood at $304 million at June 30, 2026, up 13.6% from a year earlier; it is based in Roswell, New Mexico. It earns about $3.58 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
The commercial and industrial book ($37 million) is worsening: 5.58% of it is past due or on nonaccrual, up from 0.76% a year earlier. Deposits are coming in faster than loans: over the year loans rose 9.6% and deposits rose 13.6%. Credit is the area to watch: it carries problem assets equal to 11.3% of the capital and reserves that would absorb them, 4.3 times the median of 2.6% for banks its size.
As of June 30, 2026, Valley Bank of Commerce reported a CET1 capital ratio of 23.30%, a return on assets of 3.58%, a nonperforming-loan ratio of 3.32% and a Texas ratio of 11.29%. The figures come from its call report filed with the FFIEC.
Valley Bank of Commerce ranks as the 19th largest of the 29 banks based in New Mexico, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $304.1M, loans fell 1.9% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was leases, at 29.7% of total loans, ahead of commercial and industrial loans at 23.5%. Its 3 offices in the FDIC Summary of Deposits are in Roswell, NM and Dexter, NM; its Roswell 2 offices book 97% of its branch deposits. By the capital ratios in its Q2 2026 call report, Valley Bank of Commerce meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 217 W 2nd St, Roswell, NM 88201
- County
- Chaves
- Metro Area
- Roswell, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1978
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $260.2M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$118K
- Average total assets
- $300.9M
- Average total loans
- $110.8M
- Average interest-bearing deposits
- $134.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 1, 1978
- FDIC Cert
- 22600
- Fed RSSD
- 481159
- Website
- valleybankofcommerce.com →
- Parent Holding Company
- COMMERCE BANCSHARES OF ROSWELL, INC. (RSSD 1130810)
- Ultimate Parent
- RSSD 5659506
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Valley Bank of Commerce's total assets ranged from $261.6M (Q2 2024) to $346.1M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$304.1M total assets against $267.7M; $260.5M total liabilities against $229.3M.
$155.0M net loans and leases against $141.0M; $260.2M total deposits against $229.1M.
$2.9M securities against $3.2M; $133.5M cash and balances due against $110.5M.
$4.7M total interest income against $5.2M; $573K total interest expense against $916K.
$4.2M net interest income against $4.3M.
$219K total noninterest income against $191K; $1.7M total noninterest expense against $1.6M.
$0 provision for credit losses against $0.
$2.7M net income against $2.9M.
3.58% return on assets against 3.77%; 5.80% net interest margin against 5.79%.
23.30% CET1 capital ratio against 24.13%; 14.47% tier 1 leverage ratio against 12.37%.
Inside the full Valley Bank of Commerce terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Valley Bank of Commerce rankings
Its closest position to the top of a national ranking is 31 of 3,611, for ROA; its furthest is 2,436 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.74% (Q1 2025) to 4.00% (Q3 2024) and its net interest margin ran from 4.94% (Q1 2025) to 6.54% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.30% | 3.58% | 3.32% | 11.29% | 5.80% |
| Q1 2026 | 21.86% | 3.49% | 3.05% | 11.68% | 5.84% |
| Q4 2025 | 23.79% | 3.51% | 3.26% | 11.80% | 6.11% |
| Q3 2025 | 24.56% | 3.52% | 4.21% | 15.29% | 6.09% |
| Q2 2025 | 24.13% | 3.77% | 3.16% | 11.01% | 5.79% |
| Q1 2025 | 23.16% | 2.74% | 3.07% | 11.48% | 4.94% |
| Q4 2024 | 23.81% | 3.14% | 3.54% | 12.67% | 6.54% |
| Q3 2024 | 22.93% | 4.00% | 4.43% | 17.63% | 6.36% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Valley Bank of Commerce (main office) | Roswell , NM | 88201 | $253.1M |
| Dexter Branch | Dexter , NM | 88230 | $7.0M |
| North Main Branch | Roswell , NM | 88201 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NM, rank 35 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Valley Bank of Commerce
What are Valley Bank of Commerce's total assets?
As of the Q2 2026 filing, Valley Bank of Commerce reported total assets of $304.1 million in its FFIEC call report.
Where is Valley Bank of Commerce headquartered?
It is headquartered in Roswell, NM, United States.
When was Valley Bank of Commerce founded?
It was established in 1978, per the FDIC institution directory.
Is Valley Bank of Commerce FDIC-insured?
Yes. It 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.
What is Valley Bank of Commerce's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Valley Bank of Commerce operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valley Bank of Commerce's Texas Ratio?
Its Texas Ratio is 11.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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