Valley Bank of Commerce: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Valley Bank of Commerce of Roswell, NM against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.58% | 1.34% | +2.24% | 98th top |
| ROAE | 25.39% | 13.31% | +12.08% | 96th top |
| Net Interest Margin | 5.80% | 3.93% | +1.87% | 98th top |
| Efficiency Ratio | 38.88% | 61.15% | -22.27% | 96th top |
| PPNR / Avg Assets | 3.56% | 1.68% | +1.88% | 98th top |
| Yield on Earning Assets | 6.60% | 5.67% | +0.93% | 89th top |
| Cost of Funds | 0.89% | 1.88% | -0.99% | 94th top |
| Net Interest Spread | 4.90% | 3.32% | +1.58% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.81% | 0.94% | +1.87% | 8th bottom |
| NPA / Total Assets | 1.46% | 0.70% | +0.76% | 12th bottom |
| NCO / Avg Loans | -0.25% | 0.16% | -0.41% | 99th top |
| ACL / Total Loans | 1.84% | 1.28% | +0.56% | 91st top |
| ACL / NPLs (Coverage) | 65.31% | 1539.15% | -1473.84% | 17th bottom |
| Texas Ratio | 11.32% | 7.33% | +3.99% | 19th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.30% | 19.50% | +3.80% | 85th top |
| Tier 1 Ratio | 23.30% | 19.53% | +3.77% | 85th top |
| Total Capital Ratio | 24.56% | 20.62% | +3.94% | 86th top |
| Leverage Ratio | 14.47% | 12.14% | +2.33% | 84th top |
| Equity / Assets | 14.32% | 11.37% | +2.95% | 86th top |
| TCE / Tangible Assets | 14.32% | 11.09% | +3.23% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.68% | 80.64% | -19.96% | 82nd top |
| Core Deposit Ratio | 98.37% | 86.86% | +11.51% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.61% | 6.85% | +6.76% | 90th top |
| Loan Growth (Y/Y) | 9.60% | 7.90% | +1.70% | 72nd above |
| Deposit Growth (Y/Y) | 13.58% | 6.29% | +7.29% | 89th top |
See Valley Bank of Commerce's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Valley Bank of Commerce, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Valley Bank of Commerce profile, how to read a UBPR, or how this data updates.