Headquartered in Roswell, New Mexico, Valley Bank of Commerce is a state-chartered bank with $304.1M in total assets and $260.2M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1978.
Based on its Q2 2026 filing, Valley Bank of Commerce scores 64/100, which we describe as moderate. That is higher than only 26% of 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 22nd. Its strongest component is earnings (100/100; 3.53%), and its lowest is loan quality (0/100; 3.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (59 → 64), mostly because the capital cushion component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 61 |
| Q4 2024 | 64 |
| Q1 2025 | 54 |
| Q2 2025 | 59 |
| Q3 2025 | 61 |
| Q4 2025 | 65 |
| Q1 2026 | 63 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.87% |
| Q3 2024 | 14.03% |
| Q4 2024 | 14.30% |
| Q1 2025 | 11.45% |
| Q2 2025 | 12.37% |
| Q3 2025 | 13.79% |
| Q4 2025 | 14.94% |
| Q1 2026 | 14.00% |
| Q2 2026 | 14.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 4.47% |
| Q3 2024 | 4.43% |
| Q4 2024 | 3.54% |
| Q1 2025 | 3.07% |
| Q2 2025 | 3.16% |
| Q3 2025 | 4.21% |
| Q4 2025 | 3.26% |
| Q1 2026 | 3.05% |
| Q2 2026 | 3.32% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.04% |
| Q3 2024 | 3.99% |
| Q4 2024 | 3.76% |
| Q1 2025 | 2.74% |
| Q2 2025 | 3.40% |
| Q3 2025 | 3.51% |
| Q4 2025 | 3.50% |
| Q1 2026 | 3.49% |
| Q2 2026 | 3.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $304.1M | 14.47% | 3.32% | 3.53% | 59.6% |
| Q1 2026 | 63 | $297.7M | 14.00% | 3.05% | 3.49% | 61.7% |
| Q4 2025 | 65 | $291.4M | 14.94% | 3.26% | 3.50% | 62.2% |
| Q3 2025 | 61 | $267.3M | 13.79% | 4.21% | 3.51% | 66.1% |
| Q2 2025 | 59 | $267.7M | 12.37% | 3.16% | 3.40% | 61.6% |
| Q1 2025 | 54 | $346.1M | 11.45% | 3.07% | 2.74% | 45.8% |
| Q4 2024 | 64 | $278.6M | 14.30% | 3.54% | 3.76% | 60.8% |
| Q3 2024 | 61 | $266.3M | 14.03% | 4.43% | 3.99% | 65.1% |
| Q2 2024 | 58 | $261.6M | 12.87% | 4.47% | 4.04% | 65.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community 1st Bank Las VegasBank Las Vegas, NM | 81 out of 100, Strong | $293.9M | 10.0% | 0.03% | vs |
| Western BankBank Lordsburg, NM | 82 out of 100, Strong | $325.9M | 12.2% | 0.64% | vs |
| First New Mexico BankBank Deming, NM | 91 out of 100, Very strong | $275.1M | 14.7% | 0.16% | vs |
| Western BankBank Artesia, NM | 81 out of 100, Strong | $350.5M | 11.1% | 0.00% | vs |
| Main BankBank Albuquerque, NM | 82 out of 100, Strong | $245.2M | 11.5% | 0.00% | vs |
| First State BankBank Socorro, NM | 84 out of 100, Strong | $188.0M | 14.3% | 0.03% | vs |
Deposit insurance
Is my money safe at Valley Bank of Commerce?
Yes. Valley Bank of Commerce is an FDIC-insured institution (FDIC certificate #22600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 57.0% of deposits ($148.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.95% (benchmark: 10%).
3 locations
Branches
Valley Bank of Commerce lists 2 offices in 2 cities. Most locations:
- Dexter, NM (1)
- Roswell, NM (1)
Identity & history
Profile
- Legal name
- Valley Bank of Commerce
- Type
- State-chartered bank
- FDIC certificate #
- 22600
- RSSD ID
- 481159
- Primary regulator
- FDIC
- Holding company
- Commerce Bancshares Roswell Employee Stk Ownership Plan
- Established
- February 1, 1978
- Headquarters
- 217 W 2nd St, Roswell, NM 88201
- Website
- valleybankofcommerce.com
- Employees
- 23
Quick answers
Valley Bank of Commerce: common questions
Is Valley Bank of Commerce FDIC insured?
Yes. Valley Bank of Commerce is an FDIC-insured institution (FDIC certificate #22600). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Valley Bank of Commerce's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Valley Bank of Commerce ever failed?
There is no failure record for FDIC certificate #22600 in the FDIC failed bank list.
How many branches does Valley Bank of Commerce have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Roswell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chaves County School Employees Credit UnionCredit union Roswell, NM | 100 out of 100, Very strong | $40.1M | 20.9% | 0.00% | vs |
| Otero Federal Credit UnionCredit union Alamogordo, NM | 95 out of 100, Very strong | $535.3M | 15.5% | 0.26% | vs |
| Roswell Community Federal Credit UnionCredit union Roswell, NM | 83 out of 100, Strong | $50.3M | 16.8% | 1.39% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| Pioneer BankBank Roswell, NM | 73 out of 100, Strong | $1.1B | 12.3% | 1.71% | vs |
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |