Valley Bank of Commerce: how it compares with its peers
Against 15 NM banks with half to twice its assets, Valley Bank of Commerce's strongest measure in Q2 2026 is return on assets (3.53% vs. a 1.83% peer median). Its weakest relative measure is net interest margin (5.88% vs. 4.10%).
| Measure | Valley Bank of Commerce | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.53% | 1.83% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.88% | 4.10% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 37.91% | 55.88% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.2M | $7.4M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.57% | 54.05% | Context |
What it means for lending operations
Its efficiency ratio of 37.91% is better than the 55.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community 1st Bank Las Vegas Las Vegas, NM · $294M
- Western Bank Lordsburg, NM · $326M
- First New Mexico Bank Deming, NM · $275M
- Western Bank Artesia, NM · $350M
- Main Bank Albuquerque, NM · $245M
- First State Bank Socorro, NM · $188M
Questions about Valley Bank of Commerce
How big is Valley Bank of Commerce?
Valley Bank of Commerce, established in 1978, is headquartered in Roswell, NM. It reported $304M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Valley Bank of Commerce's return on assets?
3.53% annualized in Q2 2026, against a 1.83% median for 15 NM banks with half to twice its assets, ahead of 100% of them.
What is Valley Bank of Commerce's efficiency ratio?
37.91% in Q2 2026: it spent about 38 cents in noninterest expense for each dollar of revenue. The peer median is 55.88%, and lower is better.
Is Valley Bank of Commerce growing its loans?
Net loans grew 9.9% over the year to Q2 2026, while deposits grew 13.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.