| Weiss Ratings |
Valley Bank of Commerce
Roswell, NM |
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| Rating | ||||
| Asset Quality Index | 5.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.50 | |||
| Profitability Index | 10.00 | |||
| Stability Index | 8.50 | |||
| Company Info |
Valley Bank of Commerce
Roswell, NM |
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| FDIC Number | 22600 | |||
| Phone Number | (575) 623-2265 | |||
| Website | www.valleybankofcommerce.com | |||
| Asset Quality |
Valley Bank of Commerce
Roswell, NM |
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| 1-Year Asset Growth | 13.61% | |||
| 5-Year Asset Growth | 7.00% | |||
| 5-Year Charge-Offs to Average Loans | 0.34% | |||
| Charge-Offs to Average Loans | -0.15% | |||
| Non-Performing Assets to Assets | 1.46% | |||
| Non-Performing Loans to Capital | 11.30% | |||
| Non-Performing Loans to Loans | 2.81% | |||
| Balance Sheet |
Valley Bank of Commerce
Roswell, NM |
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| Total Assets | 304.07M | |||
| Total Deposits | 260.16M | |||
| Capital and Reserves |
Valley Bank of Commerce
Roswell, NM |
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| Capital | 43.55M | |||
| Leverage Ratio | 14.47 | |||
| Loan Loss Reserves to Loans | 1.84% | |||
| Risk-Based Capital Ratio | 25.48 | |||
| Liquidity |
Valley Bank of Commerce
Roswell, NM |
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| Hot Money Ratio | 2.64% | |||
| Liquidity Ratio | 52.06% | |||
| Profitability |
Valley Bank of Commerce
Roswell, NM |
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| 5-Year Return on Average Assets | 2.97% | |||
| Net Income | 5.26M | |||
| Net Interest Spread | 5.82% | |||
| Operating Profit to Average Assets | 3.53% | |||
| Overhead Efficiency Ratio | 37.91% | |||
| Return on Assets | 3.53% | |||
| Return on Equity | 24.94% | |||