Valley Bank of Commerce
Roswell, NM
IDRSSD: 481159
Total Assets
$291.39M
Latest filing
Total Deposits
$248.03M
Latest filing
Net Interest Margin
6.46%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Valley Bank of Commerce
217 W 2nd St
Roswell, NM 88201
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/01/1978FDIC Certificate 15763
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Valley Bank of Commerce (Main) | 217 W 2nd St | Roswell, NM |
| NORTH MAIN BRANCH | 2426 N Main St | Roswell, NM |
| DEXTER BRANCH | 201 State Road 2 | Dexter, NM |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/01/1978 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 88201 |
| State and County Number | 35005 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Roswell, NM |
Operational Info
| Number of Employees | 26 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 02/01/1978 |
| Primary Insurance Agency | DIF |
| Website | valleybankofcommerce.com |
| Data Updated | 01/30/2026 |
| CERT | 22600 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $291.39M |
| Total Deposits | $248.03M |
| Total Liabilities | $248.76M |
| Total Equity Capital | $42.63M |
| Net Income | $2.50M |
| Net Loans and Leases | $154.30M |
| Assets Per Employee ($Millions) | $11.66M |
| Bank Premises and Fixed Assets | $1.63M |
| Cash and Balances due from Depository Institutions | $121.10M |
| Deposits Held in Domestic Offices | $248.03M |
Key Performance Ratios
| Return on Assets (ROA) | 3.59% |
| Return on Equity (ROE) | 24.11% |
| Net Interest Margin | 6.46% |
| Efficiency Ratio | 35.84% |
| Tier 1 Risk-Based Capital Ratio | 23.785% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.5% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.631% |
| Earning Assets to total Assets | 93.07% |
Income and Expense
| Total Interest Income | $4.78M |
| Total Noninterest Income | $283.00k |
| Total Interest Expense | $592.00k |
| Total Noninterest Expense | $1.60M |
| Net Interest Income | $4.18M |
| Pre-tax Net Operating Income | $2.52M |
| Provision for Credit Losses | $350.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $231.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $723.00k |
| Total Liabilities and Capital | $291.39M |
Securities
| Securities | $3.52M |
| Available-for-sale debt securities | $3.46M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Valley Bank of Commerce?
$291.39M as of the latest filing.
How much are Valley Bank of Commerce's total deposits?
$248.03M in total deposits.
Where is Valley Bank of Commerce located?
Roswell, NM.
What is the Net Interest Margin?
6.46%.
How many domestic offices does it operate?
3.
When was it established?
02/01/1978.
What is the Return on Assets (ROA)?
3.59%.
How much are total loans and leases?
$154.30M (latest filing).
What is the total interest income (latest filing)?
$4.78M.