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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 22600 · NM A · 96/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (96/100)
  • TOP-DECILE #297/4307
  • PHOTO-FINISH Peoples Community Bank · MO
  • TIER1-WELL 23.8% Tier 1
  • TEXAS-CLEAN 11.3% Texas
  • ROA-STRONG 3.50% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: Peoples Community Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Valley Bank of Commerce

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Credit Bank · CA · near96/100First State Bank of… · AL · …96/100Peoples Community Bank · MO …96/100Valley Bank of Comme… · NM ·…96/100West Texas National… · TX · …96/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Valley Bank of Commerce · July 2026

What Valley Bank of Commerce's Call Report plate shows

Valley Bank of Commerce (FDIC Cert #22600) carries a PlainBankData health grade of A at 96/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #297 of 4,307. Tier 1 capital prints at 23.79%, clearing the 10% well-capitalized line. The Texas Ratio is 11.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.50%. Balance-sheet scale is $291M, 2,524th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Community Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Valley Bank of Commerce

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

Valley Bank of Commerce's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Valley Bank of Commerce remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

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.

0/100100/100National avg77/10096/100
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 Assets

$291M

Total balance-sheet footings

Total Deposits

$248M

Customer-funded liabilities

Net Loans

$154M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 22.39% 23.79% 25.19%
Basel III capital ratios - Valley Bank of Commerce

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

96 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Valley Bank of Commerce 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Valley Bank of Commerce

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

What these ratios mean →

Earnings posture at Valley Bank of Commerce

Return on Assets (ROA)
99th percentile nationally
3.50%
Return on Equity (ROE)
25.89%
Efficiency Ratio
35.53%

What these mean →

Income & expense at Valley Bank of Commerce

$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.

FDIC Failed Bank List → View Valley Bank of Commerce on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($291M here), outside New Mexico so the neighborhood is not state containment.

First Bethany Bank & Trust $291M · OK Minnesota National Bank $291M · MN Farmers Bank $291M · CO First State Bank $292M · TX

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.

Valley Bank of Commerce Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
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%