BlastPoint's Banking Scorecard

Valley Bank of Commerce

$100M-$1B Specialty: Other NM FDIC cert 22600

Roswell, NM

3 branches across NM

2664 banks in the $100M-$1B peer group nationally 22 in NM

Valley Bank of Commerce has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 2.9% in tier
+ Profitability Leader: Top 7.8% in tier
+ Efficiency Ratio 28.36% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.22% above tier average
- Nonperforming Asset Ratio 1.09% above tier average

Get updates when Valley Bank of Commerce releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$297.7M -14.0% YoY +2.2% QoQ	-$88.4M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$158.1M +11.2% YoY +2.5% QoQ	-$97.6M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	38%
Total Deposits ?	$256.3M -17.4% YoY +3.3% QoQ	-$71.7M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	3.49% +27.2% YoY -0.3% QoQ	+2.22%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 1.1% in tier
Net Interest Margin ?	5.90% +10.3% YoY -1.6% QoQ	+1.97%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	Top 1.7% in tier
Efficiency Ratio ?	36.93% +4.8% YoY +3.9% QoQ	-28.36%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	Top 2.3% in tier
Delinquency Rate ?	3.11% -0.9% YoY -6.2% QoQ	+2.22%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	Bottom 5.8% in tier
Loan-to-Deposit Ratio ?	61.70% +34.6% YoY -0.8% QoQ	-14.94%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	49.47% +27.9% YoY -3.5% QoQ	+27.45%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 1.6% in tier
Nonperforming Asset Ratio ?	1.73% +34.2% YoY -5.7% QoQ	+1.09%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	Bottom 8.9% in tier
Tier 1 Capital Ratio ?	21.86% -5.7% YoY -8.1% QoQ	+6.03%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	Top 10.2% in tier
Non-Interest Income / Assets ?	0.07% +47.9% YoY -76.5% QoQ	-0.21%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	33%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth

#9 of 272 • Top 2.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 49.47%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.90%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Profitability Leader

growth

#53 of 666 • Top 7.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.49%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 3.49%

Peer Median: 1.27%

#29 of 2664 Top 1.1% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 49.47%

Peer Median: 22.02%

#44 of 2664 Top 1.6% in $100M-$1B

Net Interest Margin

profitability

Value: 5.90%

Peer Median: 3.93%

#47 of 2664 Top 1.7% in $100M-$1B

Efficiency Ratio

profitability

Value: 36.93%

Peer Median: 65.29%

#63 of 2664 Top 2.3% in $100M-$1B

274

Tier 1 Capital Ratio

capital

Value: 21.86%

Peer Median: 15.83%

#274 of 2664 Top 10.2% in $100M-$1B

554

Loan-to-Deposit Ratio

liquidity

Value: 61.70%

Peer Median: 76.64%

#554 of 2664 Top 20.8% in $100M-$1B

Top Weaknesses (2 metrics)

2501

Delinquency Rate

credit_quality

Value: 3.11%

Peer Median: 0.89%

#2501 of 2654 Bottom 5.8% in $100M-$1B

2427

Nonperforming Asset Ratio

credit_quality

Value: 1.73%

Peer Median: 0.64%

#2427 of 2664 Bottom 8.9% in $100M-$1B