BlastPoint's Banking Scorecard
Valley Bank of Commerce
Micro
Specialty: Other
NM
FDIC cert 22600
Designations: ✓ Community bank
Roswell, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
Valley Bank of Commerce has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.41% above tier
- + Net Interest Margin 2.14% above tier
- + Efficiency Ratio 32.20% below tier
- + Non-Interest-Bearing Deposit Share 28.89% above tier
- + Tier 1 Capital Ratio 14.93% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.67% above tier
- - Nonperforming Asset Ratio 1.38% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$291.4M
+4.6% YoY
+9.0% QoQ
|
+$73.9M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$154.3M
+6.0% YoY
+3.1% QoQ
|
+$15.1M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$248.0M
+3.6% YoY
+9.6% QoQ
|
+$64.4M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
3.50%
-6.9% YoY
-0.5% QoQ
|
+2.41% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.00%
-4.9% YoY
+1.0% QoQ
|
+2.14% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
35.53%
+14.7% YoY
+0.3% QoQ
|
-32.20% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
3.31%
-8.0% YoY
-22.9% QoQ
|
+2.67% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
62.21%
+2.3% YoY
-5.9% QoQ
|
-12.32% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
51.28%
+4.3% YoY
+13.8% QoQ
|
+28.89% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
1.83%
-2.5% YoY
-26.4% QoQ
|
+1.38% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
23.79%
-0.1% YoY
-3.2% QoQ
|
+14.93% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.31%
+35.3% YoY
+34.2% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.50%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.00%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
35.53%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
51.28%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.79%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.31%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.83%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.50% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 35.53% · Tier avg: 67.73%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.28% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 6.00% · Tier avg: 3.85%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.79% · Tier avg: 8.85%
71
71th pctile
Total Assets
Current: $291.4M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $248.0M · Tier avg: $183.7M
61
61th pctile
Total Loans
Current: $154.3M · Tier avg: $139.2M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.21% · Tier avg: 74.53%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.31% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.31% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.83% · Tier avg: 0.45%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.21% · Tier avg: 74.53%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
61
61th pctile
Total Loans
Current: $154.3M · Tier avg: $139.2M
71
71th pctile
Total Deposits
Current: $248.0M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $291.4M · Tier avg: $217.5M
92
92th pctile
Tier 1 Capital Ratio
Current: 23.79% · Tier avg: 8.85%
98
98th pctile
Net Interest Margin
Current: 6.00% · Tier avg: 3.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 51.28% · Tier avg: 22.39%
99
99th pctile
Efficiency Ratio
Current: 35.53% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.50% · Tier avg: 1.08%