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Overview / Commentary
217 West 2nd Street
Roswell, NM 88202

Valley Bank of Commerce is headquartered in Roswell and is the 32nd largest bank in the state of New Mexico. It is also the 3,820th largest bank in the nation. It was established in 1978 and as of March of 2014, it had grown to 17 employees at 3 locations. Valley Bank of Commerce has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Valley Bank of Commerce had $320,000 in non-current loans and owned real-estate with $11.19 million in equity and loan loss allowances on hand to cover it. This gives Valley Bank of Commerce a Texas Ratio of 2.86% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Valley Bank of Commerce has increased its total deposits by $10.44 million, resulting in 8.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Valley Bank of Commerce has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Valley Bank of Commerce has $143.92 million in assets with $11.19 million in equity, resulting in a capitalization level of 7.78%, which is below average.

Institution Statistics

FDIC Certificate #22600
Year Established1978
Primary RegulatorFDIC
Assets and Liabilities
Assets$143.92 million
Loans$47.23 million
Deposits$131.32 million
Equity Capital$10.52 million
Loan Loss Allowance$669,000
Unbacked Noncurrent Loans$320,000
Real Estate Owned$0
Historic Data - March 2013
Assets$133.20 million
Equity Capital$10.20 million
Loan Loss Allowance$646,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.56%
Return on Assets1.06%
Return on Equity14.47%
Interest Income$905,000

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Valley Bank of Commerce Locations
Valley Bank - Dexter201 State Rd #2Dexter, NM 88230
Valley Bank Of Commerce217 West 2nd StreetRoswell, NM 88202
North Main Branch2426 North Main StreetRoswell, NM 88201