VALLEY BANK OF COMMERCE
ROSWELL, NEW MEXICO · FDIC Cert #22600
Capital & Safety Analysis
According to FDIC financial data, VALLEY BANK OF COMMERCE holds a Tier 1 capital ratio of 20.22%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning VALLEY BANK OF COMMERCE has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
VALLEY BANK OF COMMERCE shows strong financial health indicators. With $262M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
VALLEY BANK OF COMMERCE has a Bank Health Score of B (73/100). It holds a Tier 1 capital ratio of 20.22%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
VALLEY BANK OF COMMERCE holds $262M in total assets and $226M in total deposits. It is located in ROSWELL, NEW MEXICO (FDIC Certificate #22600).
VALLEY BANK OF COMMERCE has a Tier 1 capital ratio of 20.22%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 4.47%, and the return on assets is 4.04%.
Yes. VALLEY BANK OF COMMERCE is FDIC-insured (Certificate #22600). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.