🏦Bank Scorer

VALLEY BANK OF COMMERCE

ROSWELL, NM · Supervised by FDIC

Est. 1978FDIC #22,600RSSD: FDIC-22600
Part ofCOMMERCE BANCSHARES ROSWELL EMPLOYEE STK OWNERSHIP PLAN→ View all charters
Satisfactory Same

Current rating · Exam: February 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.49%

Institution Profile

FDIC BankFind

Address

217 W 2nd St, ROSWELL, NM

County

Chaves County

Established

February 1, 1978

Total Assets

$298M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$298M

Total Deposits

$256M

Net Loans

$158M

Net Income

$3M

ROA

3.49%

ROE

24.49%

Risk-Based Capital

23.11%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$229M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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