PackageTrendsPeer
Letter portraitLegal landscape

Valley Bank of Commerce

Roswell, NM · Cert 22600 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Commerce Bancshares Roswell Employee STK Ownership Plan

State charter, non-member · FDIC · 3 branches

Q2 2026

$304.1MAssets
$157.9MLoans
$260.2MDeposits
$43.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets operating in a single state (rank 709 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

2.71%

Rank 15 of 746

Net Interest Margin

5.47%

Rank 13 of 746

Efficiency Ratio

37.91%

Rank 15 of 746

Equity / Assets

14.32%

Rank 123 of 746

Non-interest income vs. expense

$0.9M$6.6MINCOMEEXPENSE
Unfavorable gap of $5.7M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state
Bank 37.91%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.71%0.72%1.06%1.45%Beats 98%15 / 746
Return on Equity18.96%6.74%10.51%13.63%Beats 95%38 / 746
Net Interest Margin5.47%3.17%3.68%4.16%Beats 98%13 / 746
Efficiency Ratio37.91%55.74%64.58%75.47%Beats 98%15 / 746
Asset Quality
Nonperforming Loans / Loans3.32%0.09%0.42%1.07%Beats 5%709 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio23.30%11.55%13.75%17.60%Beats 89%81 / 746
Total Risk-Based Capital Ratio24.56%11.71%14.33%18.43%Beats 89%79 / 746
Equity / Assets14.32%8.90%10.51%13.06%Beats 84%123 / 746
Liquidity & Funding
Loans / Deposits60.68%61.31%78.27%90.78%24th pctl568 / 746
Loans / Assets51.92%53.60%66.97%76.08%22nd pctl581 / 746
Brokered Deposits / Depositsn/aNot reported for this institution