PackageTrendsPeer
Letter portraitLegal landscape

First National Bank

Alamogordo, NM · Cert 17643 · First Alamogordo Bcorp NV Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

8

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank

Alamogordo, NM · Cert 17643 · First Alamogordo Bcorp NV Inc.

National charter · OCC · 6 branches

Q2 2026

$452.8MAssets
$219.6MLoans
$425.4MDeposits
$25.4MEquity
Loan mix
75%RE $163.8M6%C&I $13.7M19%Consumer $41.9MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $274.8M35%Noninterest $150.6MQ2 2025Q2 2026

NIM

4.23%Q2 ’244.16%Q2 ’254.50%Q2 ’26+2%+11%

Non-interest income vs. expense

2.45%Q2 ’242.33%Q2 ’252.86%Q2 ’26-26%+63%

Executive Summary

  • Earnings: ROA of 0.85%, down 54 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 5.29% of loans (+310 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.31%, unchanged from a year ago.
  • Funding: loans stand at 51.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%-54 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+36 bps YoY

Efficiency Ratio (YTD, annualized)

70.20%+1,399 bps YoY

Tier 1 Leverage Ratio

10.31%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.31%1.28%1.05%0.85%-54 bps
Return on Equity37.22%31.69%28.98%18.78%15.22%-2,200 bps
Net Interest Margin3.33%3.44%3.44%3.81%3.69%+36 bps
Efficiency Ratio56.21%57.92%57.21%64.62%70.20%+1,399 bps
Non-Interest Burden1.52%1.70%1.66%2.33%2.47%+96 bps
Growth
Asset Growth (YoY)-0.53%-5.85%-0.71%-0.54%-1.14%-60 bps
Loan Growth (YoY)3.41%3.14%4.57%2.75%2.26%-115 bps
Deposit Growth (YoY)-1.86%-6.80%-3.23%-1.82%-2.65%-78 bps
Asset Quality
Nonperforming Loans / Loans2.19%2.05%2.38%2.49%5.29%+310 bps
Net Charge-Offs / Loans0.01%0.01%0.15%0.01%0.02%+1 bps
Allowance / Loans1.69%1.76%1.63%1.76%1.82%+13 bps
Allowance Coverage of NPLs0.8x0.9x0.7x0.7x0.3x-0.4x
Capital
Tier 1 Leverage Ratio10.31%10.33%10.26%10.15%10.31%0 bps
Total Risk-Based Capital10.31%10.33%10.26%10.15%10.31%0 bps
Equity / Assets4.17%5.33%5.58%5.60%5.60%+143 bps
Liquidity & Funding
Loans / Deposits49.14%49.99%50.11%50.30%51.62%+248 bps
Liquid Assets / Assets5.08%4.69%6.50%6.71%5.78%+70 bps
CRE / Total Capitaln/a273%282%279%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank

Alamogordo, NM · Cert 17643 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Alamogordo Bcorp NV Inc.

National charter · OCC · 6 branches

Q2 2026

$452.8MAssets
$219.6MLoans
$425.4MDeposits
$25.4MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets operating in a single state (rank 108 of 746).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 734 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.87%

Rank 477 of 746

Net Interest Margin

3.69%

Rank 365 of 746

Efficiency Ratio

70.20%

Rank 474 of 746

Equity / Assets

5.60%

Rank 734 of 746

Non-interest income vs. expense

$1.8M$13.7MINCOMEEXPENSE
Unfavorable gap of $11.9M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state
Bank 70.20%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.72%1.06%1.45%Beats 36%477 / 746
Return on Equity15.53%6.74%10.51%13.63%Beats 86%108 / 746
Net Interest Margin3.69%3.17%3.68%4.16%Beats 51%365 / 746
Efficiency Ratio70.20%55.74%64.58%75.47%Beats 37%474 / 746
Asset Quality
Nonperforming Loans / Loans5.29%0.09%0.42%1.07%Beats 2%732 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 44%414 / 743
Capital
Tier 1 Capital Ratio10.31%11.55%13.75%17.60%Beats 12%659 / 746
Total Risk-Based Capital Ratio10.31%11.71%14.33%18.43%Beats 11%666 / 746
Equity / Assets5.60%8.90%10.51%13.06%Beats 2%734 / 746
Liquidity & Funding
Loans / Deposits51.62%61.31%78.27%90.78%14th pctl643 / 746
Loans / Assets48.49%53.60%66.97%76.08%19th pctl606 / 746
Brokered Deposits / Depositsn/aNot reported for this institution