| Weiss Ratings |
Valley Bank of Commerce
Roswell, NM |
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| Rating | ||||
| Asset Quality Index | 5.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 5.30 | |||
| Profitability Index | 7.80 | |||
| Stability Index | 7.20 | |||
| 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 | 27.94% | |||
| 5-Year Asset Growth | 9.71% | |||
| 5-Year Charge-Offs to Average Loans | 0.27% | |||
| Charge-Offs to Average Loans | -0.08% | |||
| Non-Performing Assets to Assets | 1.29% | |||
| Non-Performing Loans to Capital | 11.48% | |||
| Non-Performing Loans to Loans | 3.07% | |||
| Balance Sheet |
Valley Bank of Commerce
Roswell, NM |
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| Total Assets | 346.11M | |||
| Total Deposits | 310.23M | |||
| Capital and Reserves |
Valley Bank of Commerce
Roswell, NM |
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| Capital | 35.76M | |||
| Leverage Ratio | 11.45 | |||
| Loan Loss Reserves to Loans | 2.12% | |||
| Risk-Based Capital Ratio | 24.42 | |||
| Liquidity |
Valley Bank of Commerce
Roswell, NM |
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| Hot Money Ratio | 2.38% | |||
| Liquidity Ratio | 61.92% | |||
| Profitability |
Valley Bank of Commerce
Roswell, NM |
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| 5-Year Return on Average Assets | 2.62% | |||
| Net Income | 2.14M | |||
| Net Interest Spread | 4.94% | |||
| Operating Profit to Average Assets | 2.74% | |||
| Overhead Efficiency Ratio | 35.23% | |||
| Return on Assets | 2.74% | |||
| Return on Equity | 22.97% | |||