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Overview / Commentary
333 Riverside Drive
Espanola, NM 87532

Valley National Bank (NM) is headquartered in Espanola and is the 20th largest bank in the state of New Mexico. It is also the 3,122nd largest bank in the nation. It was established in 1964 and as of December of 2013, it had grown to 51 employees at 1 location. Valley National Bank (NM) has a C health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Valley National Bank (NM) had $23.3 million in non-current loans and owned real-estate with $24.81 million in equity and loan loss allowances on hand to cover it. This gives Valley National Bank (NM) a Texas Ratio of 93.91% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Valley National Bank (NM) experienced no significant changes from 98.49% as of December 31, 2012 to 93.91% as of December 31, 2013, resulting in a positive change of 4.65%.This indicates that the balance sheet and financial strength for Valley National Bank (NM) has had no significant changes in recent periods.

Deposit Growth


In the past year, Valley National Bank (NM) has decreased its total deposits by -$5.54 million, resulting in -3.11% 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 National Bank (NM) has shown is below average.



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 National Bank (NM) has $194.03 million in assets with $24.81 million in equity, resulting in a capitalization level of 12.79%, which is excellent.

Institution Statistics

FDIC Certificate #19245
Year Established1964
Primary RegulatorOCC
Assets and Liabilities
Assets$194.03 million
Loans$67.35 million
Deposits$172.50 million
Equity Capital$20.83 million
Loan Loss Allowance$3.98 million
Unbacked Noncurrent Loans$16.08 million
Real Estate Owned$7.22 million
Historic Data - December 2012
Assets$206.42 million
Equity Capital$27.66 million
Loan Loss Allowance$5.70 million
Unbacked Noncurrent Loans$16.08 million
Real Estate Owned$4.89 million
Profit Margin - Quarterly
Net Interest Margin2.6%
Return on Assets-1.09%
Return on Equity-9.41%
Interest Income$5.89 million

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Valley National Bank (NM) Locations
Valley National Bank333 Riverside DriveEspanola, NM 87532