Total Assets
$291M
Total balance-sheet footings
FDIC Cert #22600 · Roswell, New Mexico · Est. 1978
Valley Bank of Commerce - FDIC Bank Health Profile
A community-scale look at Valley Bank of Commerce's own numbers, pulled straight from its quarterly FDIC Call Report.
- $291M
- Total assets
- A
- Health grade · Excellent
- 3.50%
- Return on assets
- 23.8%
- Tier 1 capital
Data updated July 2026
The verdict
Valley Bank of Commerce earns a PlainBankData health grade of A (96/100), with well-capitalized at 23.79% Tier 1, profitable at 3.50% ROA, efficient (36% cost ratio).
- #2,524
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 23.79%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Valley Bank of Commerce's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Valley Bank of Commerce's composite health score
Tier 1 Capital Ratio (23.79%) 40/40
Return on Assets (ROA) (3.50%) 25/25
Texas Ratio (11.29%) 16/20
Efficiency Ratio (35.53%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$248M
Customer-funded liabilities
Net Loans
$154M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Valley Bank of Commerce ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Valley Bank of Commerce's score of 96/100 falls in the highlighted band.
Valley Bank of Commerce's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Valley Bank of Commerce's $291M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.79%
Texas Ratio
11.29%
Equity Capital
$43M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.50%
Return on Equity (ROE)
25.89%
Efficiency Ratio
35.53%
What the numbers say about Valley Bank of Commerce
Valley Bank of Commerce is an FDIC-insured institution (Certificate #22600) headquartered in Roswell, New Mexico, established in 1978. It holds $291M in total assets - 2,524th of 4,313 FDIC-insured banks, $248M in customer deposits, and $154M in net loans. Capital-wise, the Tier 1 ratio sits at 23.79%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 11.29%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (96 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Valley Bank of Commerce sits 20th of 29 banks headquartered in New Mexico by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$894K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Valley Bank of Commerce reports a Texas Ratio of 11.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Valley Bank of Commerce (FDIC Cert #22600) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| CNB BankCarlsbad | $989M | B | 2.16% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
Frequently asked questions
What is Valley Bank of Commerce's health grade?▼
Valley Bank of Commerce receives a health grade of A (96/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Valley Bank of Commerce?▼
Valley Bank of Commerce holds $291M in total assets and $248M in deposits, ranking 2,524th of 4,313 FDIC-insured banks by asset size. It is headquartered in Roswell, New Mexico.
Is my money safe at Valley Bank of Commerce?▼
Yes, deposits at Valley Bank of Commerce (Certificate #22600) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Valley Bank of Commerce's Tier 1 Capital Ratio?▼
Valley Bank of Commerce has a Tier 1 Capital Ratio of 23.79%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Valley Bank of Commerce?▼
Valley Bank of Commerce has a Texas Ratio of 11.29%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Valley Bank of Commerce?▼
Valley Bank of Commerce has an Efficiency Ratio of 35.53%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Valley Bank of Commerce's profile as a depositor or analyst.
- Valley Bank of Commerce's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Valley Bank of Commerce against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.