Valley Bank of Commerce

Headquarters

217 West 2nd Street
Roswell, NM 88202
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.40% →
1-Year CD 0.30% 1.15% →
2-Year CD 0.50% 1.26% →
5-Year CD 0.85% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Valley Bank of Commerce is an FDIC insured institution located in Roswell, NM. It was founded in 1978 and has approximately $0.19 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 22600
Date Established 1978
Assets $ 187.59 million
Loans $ 77.84 million
Deposits $ 167.92 million
Capital $ 19.19 million
 

For a more detailed analysis of Valley Bank of Commerce's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 4, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $1 - Learn More
Money Market
0.05% $2,500 $24,999 Learn More
Money Market
0.10% $25,000 $99,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn More
6 Mo CD
0.20% $1,000 - Learn More
12 Mo CD
0.30% $1,000 - Learn More
18 Mo CD
0.40% $1,000 - Learn More
24 Mo CD
0.50% $1,000 - Learn More
30 Mo CD
0.50% $1,000 - Learn More
36 Mo CD
0.60% $1,000 - Learn More
48 Mo CD
0.75% $1,000 - Learn More
60 Mo CD
0.85% $1,000 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.30% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $24,999 Learn MoreShow Less

Loan Rates - July 4, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Valley Bank of Commerce

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Valley Bank of Commerce
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Branches

Valley Bank of Commerce branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Valley Bank of Commerce Locations


Financial Details

Valley Bank of Commerce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley Bank of Commerce. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Valley Bank of Commerce U.S. Bank Average
3.12% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Valley Bank of Commerce had $637,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,193,000 in equity and $1,253,000 in loans loss reserves. That gives it a Texas Ratio of 3.12%.

Return on Equity
Valley Bank of Commerce U.S. Bank Average
24.51% 9.41%

Valley Bank of Commerce has a Return on Equity of 24.51% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Valley Bank of Commerce U.S. Bank Average
10.23% 12.82%

Valley Bank of Commerce has a Capitalization of 10.23% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Valley Bank of Commerce Balance Sheet Analysis

As of December 31, 2019, Valley Bank of Commerce had assets of $187,593,000, loans of $77,839,000, and deposits of $167,923,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 103.92 million
Interest-bearing balances $ 99.30 million
Total securities $ 0.25 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 77.84 million
Loan loss allowance $ 1.25 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 4.56 million
     Total Assets $ 168.40 million
LIABILITIES
Total deposits $ 167.92 million
      Interest-bearing deposits $ 98.31 million
      Deposits held in domestic offices $ 167.92 million
      % insured (estimated) 52.63%
Federal funds purchased and repurchase agreements $ 0.02 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.46 million
      Total Liabilities $ 168.40 million
      Shareholders’ Equity $ 19.19 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 7.22 million
Total Interest Expense $ 0.35 million
Net interest income $ 6.87 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.65 million
Total non interest expense $ 3.10 million
Pre-tax Net Operating Income $ 4.42 million

Bank Loan Profile?

The top three loan types in Valley Bank of Commerce’s loan portfolio are Commercial and Industrial Loans, Farm Loans, and 1-4 Family Residential Loans.

Compared to other banks in New Mexico, Valley Bank of Commerce has a significantly higher percent of Commercial and Industrial Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.12
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 4.59
Construction and Development Loans 3.73
Commercial Real Estate 7.76
Commercial and Industrial Loans 44.64
Farm Loans 29.35

Frequently Asked Questions About Valley Bank Of Commerce

Branches and Savings

Is Valley Bank Of Commerce FDIC insured?

Yes. It is covered under FDIC Certificate #22600.

Why does Valley Bank Of Commerce pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Valley Bank Of Commerce CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Valley Bank Of Commerce a commercial bank?

Yes

Where are Valley Bank Of Commerce locations?

See branch locations nearby.

Is Valley Bank Of Commerce open on Saturdays?

Is Valley Bank Of Commerce open on Sundays?

What time does Valley Bank Of Commerce open?

What time does Valley Bank Of Commerce close?

Are Valley Bank Of Commerce ATMs Open 24/7?

Do Valley Bank Of Commerce ATMs accept cash deposits?

Can Valley Bank Of Commerce customers use other ATMs?

Do Valley Bank Of Commerce branches have notaries?

Will Valley Bank Of Commerce notarize my document?

What address for Valley Bank Of Commerce should I put for incoming ACH transfers?

Will the Valley Bank Of Commerce branch print checks?

Do Valley Bank Of Commerce checks expire?

Does Valley Bank Of Commerce require US citizenship to open account?

Can Valley Bank Of Commerce close my account?

Does Valley Bank Of Commerce Report to credit bureaus?

Does Valley Bank Of Commerce Use Equifax?

What is Valley Bank Of Commerce's ACH Routing Number?

What is Valley Bank Of Commerce's SWIFT code?

Products

Does Valley Bank Of Commerce offer mortgages?

Compare mortgage rates here.

Does Valley Bank Of Commerce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Valley Bank Of Commerce offer personal loans?

Compare personal loan rates here.

Does Valley Bank Of Commerce offer student loans?

Will Valley Bank Of Commerce cash a check?

Will Valley Bank Of Commerce redeem a savings bond?

Does Valley Bank Of Commerce cash savings bonds?

Will Valley Bank Of Commerce cash money orders?

Can Valley Bank Of Commerce issue a money order?

Does Valley Bank Of Commerce do currency exchange?

Background on The Bank

Who owns Valley Bank Of Commerce?

How long has Valley Bank Of Commerce been around?

Can Valley Bank Of Commerce transfer to other banks?

Does Valley Bank Of Commerce have quick pay?

Does Valley Bank Of Commerce accept rolled coins?

Will Valley Bank Of Commerce accept loose change?

Where is Valley Bank Of Commerce headquarters?

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