# VALLEY BANK OF COMMERCE
ROSWELL, NM · FDIC certificate 22600 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $304.1M | |
| Deposits | $260.2M | |
| Loans and leases | $157.9M | |
| Total equity | $43.5M | |
| Loans / deposits | 59.57% (p12 of band) | 82.04% |
| Liquid assets / assets | 44.85% (p88 of band) | |
| Uninsured deposits / deposits | 56.96% (p97 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.47% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -0.19% (p94 of band) | -8.10% |
| AOCI / equity | -0.01% (p74 of band) | |
| ROA (annualized) | 3.53% (p99 of band) | 1.28% |
| Net interest margin | 5.88% (p99 of band) | 3.91% |
| Efficiency ratio | 37.91% (p4 of band) | |
| Noncurrent loans | 3.32% (p95 of band) | 0.43% |
| Net charge-offs (annualized) | -0.08% (p1 of band) | |
| Reserve coverage of noncurrent | 55.33% | |
| Real estate % of loans | 37% | |
| Construction % of loans | 35.31% (p43 of band) | |
| Auto loans | $265,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.6% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | leverage <7% |  |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | leverage <7%, NIM <2.5% |  |
| 2015-06 | 1 |  | capital falling, leverage <7% |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | uninsured deposits >50% | NIM <2.5% |
| 2017-06 | 0 |  | uninsured deposits >50% |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, assets shrinking |  |
| 2018-06 | 0 |  | deposits shrinking, assets shrinking |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | deposits shrinking, assets shrinking |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | uninsured deposits >50% |  |
| 2021-12 | 5 | capital falling, charge-offs p90 |  |
| 2022-03 | 4 |  | charge-offs p90 |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | capital falling |  |
| 2023-06 | 1 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2023-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 7 | charge-offs p90 |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | charge-offs p90 |  |
| 2026-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2026-06 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - zdnet.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · zdnet.com
- 2024-02-29 [Google Wallet gains support for 42 more banks ahead of planned Google Pay app shutdown - Android Central](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOE5QeGtRbEI0Z09yRXY2Z2EzOFhBbUdJa0Uxb2tEWmt2QkYyampBWHl4MkN0XzBSRFpVYjhaQlVmcWJPelZWUzlSdXQ1VDc1NWg1V3ZJdGNFMWJJaGlfR0hTY3RaaTF1eDZEdDdLX2Jka3BLZmJTQW5qN0ltSFJmbXp1MTR5YnZpRDJicldHNWU?oc=5) · Android Central
- 2025-12-13 [Roswell High School November/December Student of the Month Karina Alvarez - Roswell Daily Record](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPdkNEcFNvOTRyOVRfQ1NKby1oNVU2dGdZS01BTThUZ3o2MnFkbERTV2hjWk52OVRvZGVGSFFwX28yZENkeTZTb05GNDB5QWRSbUxfcGJ4YThDY3puMEFWUk0yMDcxazZ4V0wybk01TVFxSlJlWVFkWDVpQnFqT0xZZEJZanotR25mQ010U3oxOTlvcHJENE1ObEtEbnRvOGNpazdzbU9uSmMxNHJKb29hekxyaE8xTFFoV21nbERzcS14b3Uxbmk2RTlBMjFJdUdrc3ZvNHFjMHBfODh2NWkyZEFUZC1PYXczRDh2U3ZhenhXdDZGS3NUeG00Z3U?oc=5) · Roswell Daily Record
- 2025-09-07 [Charles Hinkle Coll Obituary (2025) - Roswell, NM - Ballard Funeral Home & Crematory - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTTJGME9TMHUtRXkxUXZONl9INTdvWDRRdjg3dXVVdFdKUl92MFFoLUp6dHI2UDBwZ2VMbGhfNC1kS0pJU0UwUnZRWWFya25ydVBSQy0xbTJlN0dIVllndG5vbHVCWDNxMnRGSnR5N2tIUnpINlk0S1p6TjFTV1Q5dg?oc=5) · legacy.com
- 2023-08-29 [H. Lee Harvard Obituary (2023) - Roswell, NM - Anderson-Bethany Funeral Home and Crematory - Roswell - legacy.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE1ibktyeERVYm9XZkNEeHEtVU5ydU5HQXlBNmJNcFZqVm5ROFNWRGl6QlVRV2ZtN1NBMkFBLTdPaTJvN3Z4aWxkTnUwT3pPaGZaWi1YNjZZOXZ0SkFrRmNySldiaFl6aElzX1VKeVZib193VUZMMVhqTmpXYkI?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22600 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "22600", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide