Valley Bank of Commerce: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 23.30% was up 145bps from the prior quarter. Valley Bank of Commerce is a locally rooted FDIC-insured community bank based in Roswell, NM. Total assets stand at $304M. The bank posts a strong 3.58% ROA and 25.39% ROE. Capital cushions are healthy: 23.30% CET1, 14.47% Tier 1 leverage. Credit conditions bear watching: 2.81% NPL ratio with a 11.32% Texas Ratio (elevated but below the 100% concern level). 3 branches make up the footprint.
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 2.81%, a Texas ratio of 11.32%, per financial data filed with the FFIEC.
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
- Offices
- 3 domestic
- Employees (FTE)
- 23
- Domestic deposits
- $260.2M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- -$118K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Valley Bank of Commerce terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Valley Bank of Commerce, freeValley Bank of Commerce rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Valley Bank of Commerce: ROA, CET1 ratio, Efficiency ratio.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 23.30% | 3.58% | 2.81% | 11.32% | 5.80% |
| Q1 2026 | 21.86% | 3.49% | 3.06% | 11.71% | 5.84% |
| Q4 2025 | 23.79% | 3.51% | 3.27% | 11.83% | 6.11% |
| Q3 2025 | 24.56% | 3.52% | 3.93% | 15.34% | 6.09% |
| Q2 2025 | 24.13% | 3.77% | 3.17% | 11.06% | 5.79% |
| Q1 2025 | 23.16% | 2.74% | 3.07% | 11.53% | 4.94% |
| Q4 2024 | 23.81% | 3.14% | 3.55% | 12.73% | 6.54% |
| Q3 2024 | 22.93% | 4.00% | 4.44% | 17.69% | 6.36% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| 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
What the public regulatory sources show for Valley Bank of Commerce, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in NM, rank 35 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 23.30% 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?
Valley Bank of Commerce 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?
Valley Bank of Commerce's Texas Ratio is 11.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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