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Valley Bank Of Commerce
Roswell, NM · FDIC Certificate #22600 · Chartered 02/0
Total assets
$304.07M
Total deposits
$260.16M
Total equity
$43.55M
Net loans
$154.97M
Branches (offices)
3
Net income (YTD)
$5.26M
Rank: #2,446 of 4,213 U.S. banks by assets · #19 of 29 in New Mexico. Assets changed 13.6% and deposits 13.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 3.53% |
| Return on equity | 24.76% |
| Net interest margin (YTD) | 5.88% |
| Equity to assets | 14.32% |
| Tier 1 leverage ratio | 14.47% |
| Uninsured deposits (share of deposits) | 57.0% |
| Noncurrent loans (share of loans) | 3.32% |
| Net charge-offs (share of loans) | -0.15% |
| Loans to deposits | 59.6% |
| Real estate loans (share of loans) | 37.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $57.93M | 37.4% | |
| Commercial & industrial | $37.13M | 24.0% | |
| Consumer / individual | $509.00K | 0.3% | |
| Construction & development | $15.38M | 9.9% | |
| Agricultural | $15.38M | 9.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $280.79M | $258.10M | $1.99M | $22.45M |
| Jun 2023 | $298.28M | $268.69M | $5.38M | $28.90M |
| Jun 2024 | $261.57M | $226.32M | $5.77M | $34.72M |
| Jun 2025 | $267.65M | $229.05M | $5.06M | $38.30M |
| Jun 2026 | $304.07M | $260.16M | $5.26M | $43.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $260.16M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.16M.
Similar-sized banks
Security Bank Midwest ($304.09M) · Valuebank Texas ($303.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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