Valley Bank of Commerce: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 4.56 percentage points in Q2 2026, from 28.54% to 33.10%. It was the largest change from Q1 2026 among the key lines here. Valley Bank of Commerce ranks 14th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 60.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Valley Bank of Commerce sits 20.16 points lower, at 60.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.9M |
| Net loans and leases | $155.0M |
| Loans held for sale | $0 |
| Loans to total assets | 51.92% |
| Loan-to-deposit ratio | 60.68% |
| Net loans to equity capital | 3.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 23.52% |
| Consumer | 0.32% |
| Credit cards | 0.00% |
| Farm | 1.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.11% |
| Construction concentration (Tier 1 capital + allowance) | 33.10% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.87% |
| Interest income on loans | $2.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $166.4M | $269.8M | 11.47% | 15.95% | 0.22% |
| Q4 2023 | $157.8M | $288.6M | 12.62% | 16.47% | 0.21% |
| Q1 2024 | $154.8M | $237.6M | 14.03% | 16.67% | 0.22% |
| Q2 2024 | $151.1M | $226.3M | 13.69% | 18.17% | 0.20% |
| Q3 2024 | $151.5M | $228.7M | 14.43% | 17.78% | 0.31% |
| Q4 2024 | $148.1M | $239.3M | 14.65% | 18.89% | 0.54% |
| Q1 2025 | $145.2M | $310.2M | 10.97% | 19.58% | 0.62% |
| Q2 2025 | $144.0M | $229.1M | 11.09% | 22.16% | 0.53% |
| Q3 2025 | $152.7M | $226.4M | 10.02% | 21.28% | 0.49% |
| Q4 2025 | $156.9M | $248.0M | 10.82% | 25.55% | 0.29% |
| Q1 2026 | $160.9M | $256.3M | 11.04% | 24.08% | 0.25% |
| Q2 2026 | $157.9M | $260.2M | 11.00% | 23.52% | 0.32% |
Valley Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Bank of Commerce, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Valley Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22600) · FFIEC NIC profile (RSSD 481159)