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Valley Bank of Commerce

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

Roswell, NM

3 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
  • Deposits +13.6% year over year ($260.2M on the books).
  • Delinquency rate 3.38%.
  • Return on assets 3.53%.
  • Efficiency ratio 37.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.57% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM
View $100M-$1B leaderboard (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 31.6% in tier
  • + Efficiency Ratio 26.57% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 46.8% in tier
  • - Nonperforming Asset Ratio 1.06% above tier average
Get updates when Valley Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $304.1M
+13.6% YoY +2.1% QoQ
-$82.5M $386.6M
+1.2% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $155.0M
+9.9% YoY -2.0% QoQ
-$103.4M $258.3M
+1.7% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $260.2M
+13.6% YoY +1.5% QoQ
-$66.6M $326.7M
+0.7% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 3.53%
+3.8% YoY +1.3% QoQ
+2.21% 1.32%
+10.8% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
Top 0.9% in tier
Net Interest Margin ? 5.88%
-0.5% YoY -0.3% QoQ
+1.90% 3.99%
+5.0% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
Top 1.7% in tier
Efficiency Ratio ? 37.91%
+8.4% YoY +2.7% QoQ
-26.57% 64.48%
-3.2% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
Top 2.5% in tier
Delinquency Rate ? 3.38%
+4.9% YoY +8.9% QoQ
+2.46% 0.92%
+15.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
Bottom 5.2% in tier
Loan-to-Deposit Ratio ? 59.57%
-3.3% YoY -3.5% QoQ
-18.39% 77.95%
+1.0% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 45.87%
+5.0% YoY -7.3% QoQ
+23.83% 22.03%
-0.6% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
Top 2.6% in tier
Nonperforming Asset Ratio ? 1.72%
+1.5% YoY -0.2% QoQ
+1.06% 0.67%
+16.4% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
Bottom 9.8% in tier
Tier 1 Capital Ratio ? 21.69%
-10.1% YoY -0.7% QoQ
+5.78% 15.91%
+1.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
Top 11.0% in tier
Non-Interest Income / Assets ? 0.14%
+6.1% YoY +97.6% QoQ
-0.42% 0.57%
+7.6% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
32%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Noninterest-Bearing 45.9%
+2.2pp YoY
-3.6pp QoQ
 +23.7pp 22.1% 34.1% 22.2% 97%
Brokered Deposits n/a n/a 7.9% 5.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 24.0%
+1.3pp YoY
-0.6pp QoQ
 +12.4pp 11.6% 20.2% 12.5% 92%
CRE n/a n/a 39.5% 50.8% 41.4% n/a
1-4 Family 15.1%
+3.1pp YoY
+2.2pp QoQ
 -17.5pp 32.6% 20.2% 31.3% 20%
Consumer 0.3%
-0.2pp YoY
+0.1pp QoQ
 -3.8pp 4.1% 3.8% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio 21.7%
-2.4pp YoY
-0.2pp QoQ
 +2.9pp 18.8% 26.0% 19.7% 82%
Leverage Ratio 14.5%
+2.1pp YoY
+0.5pp QoQ
 +2.3pp 12.2% 13.9% 12.6% 84%
Total Capital Ratio 22.9%
-2.4pp YoY
-0.2pp QoQ
 +3.0pp 19.9% 27.1% 20.8% 82%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 23
-2 (-8.0%) YoY
0 QoQ
 -36 58 75 482 15%
Assets per Employee ($) $13.2M
+23.5% YoY
+2.1% QoQ
 +$5.7M $7.5M $7.6M $8.8M 95%
Branch Count 3
0 YoY
0 QoQ
 -2 4 6 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Past Due 90+ Days 0.5% +0.2pp 0.3% 0.1% 0.4% 84%
Nonaccrual 2.9%
-0.4pp YoY
-0.3pp QoQ
 +1.9pp 0.9% 1.1% 1.0% 93%
Allowance Coverage 0.55x
-16.4% YoY
-4.0% QoQ
 -23.60x 24.15x 56.44x 20.23x 12%
Net Charge-off Rate (YTD) -0.1%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.1% 0.1% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 24.8%
-2.1pp YoY
+0.3pp QoQ
 +12.6pp 12.2% 18.9% 11.6% 96%
Cost of Funds (YTD) 0.8%
-0.4pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.0% 1.7% 5%
Net Income ($, YTD) $5.3M
+3.9% YoY
— QoQ
 +$2.7M $2.6M $5.6M $40.4M 89%

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 278 • 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: 45.87%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.88%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Profitability Leader

growth
#210 of 661 • Top 31.6% in tier

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

Why this signature
Return on Assets: 3.53%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Risk Growth

risk
#439 of 936 • Bottom 46.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

24
Return on Assets
profitability
Value: 3.53%
Peer Median: 1.32%
#24 of 2643 Top 0.9% in $100M-$1B
46
Net Interest Margin
profitability
Value: 5.88%
Peer Median: 3.99%
#46 of 2643 Top 1.7% in $100M-$1B
68
Efficiency Ratio
profitability
Value: 37.91%
Peer Median: 64.48%
#68 of 2643 Top 2.5% in $100M-$1B
71
Non-Interest-Bearing Deposit Share
funding
Value: 45.87%
Peer Median: 22.03%
#71 of 2643 Top 2.6% in $100M-$1B
291
Tier 1 Capital Ratio
capital
Value: 21.69%
Peer Median: 15.91%
#291 of 2643 Top 11.0% in $100M-$1B
442
Loan-to-Deposit Ratio
liquidity
Value: 59.57%
Peer Median: 77.95%
#442 of 2643 Top 16.7% in $100M-$1B

Top Weaknesses (2 metrics)

2496
Delinquency Rate
credit_quality
Value: 3.38%
Peer Median: 0.92%
#2496 of 2633 Bottom 5.2% in $100M-$1B
2386
Nonperforming Asset Ratio
credit_quality
Value: 1.72%
Peer Median: 0.67%
#2386 of 2643 Bottom 9.8% in $100M-$1B
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