Alamogordo, NM · Cert 17643 · First Alamogordo Bcorp NV Inc.
National charter · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
8
Asset Quality
23
Profitability
58
Liquidity
16
Efficiency
37
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.
Alamogordo, NM · Cert 17643 · First Alamogordo Bcorp NV Inc.
National charter · OCC · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.95% | 0.96% | 1.39% | 1.31% | 1.28% | 1.05% | 0.85% | -54 bps | |
| Return on Equity | 28.07% | 29.24% | 27.30% | 37.22% | 31.69% | 28.98% | 18.78% | 15.22% | -2,200 bps | |
| Net Interest Margin | 3.03% | 3.00% | 3.26% | 3.33% | 3.44% | 3.44% | 3.81% | 3.69% | +36 bps | |
| Efficiency Ratio | 66.97% | 66.06% | 63.84% | 56.21% | 57.92% | 57.21% | 64.62% | 70.20% | +1,399 bps | |
| Non-Interest Burden | 1.90% | 1.86% | 1.96% | 1.52% | 1.70% | 1.66% | 2.33% | 2.47% | +96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.23% | -0.82% | 2.17% | -0.53% | -5.85% | -0.71% | -0.54% | -1.14% | -60 bps | |
| Loan Growth (YoY) | 3.07% | 4.01% | 1.66% | 3.41% | 3.14% | 4.57% | 2.75% | 2.26% | -115 bps | |
| Deposit Growth (YoY) | 10.55% | 4.45% | 6.14% | -1.86% | -6.80% | -3.23% | -1.82% | -2.65% | -78 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.22% | 2.66% | 2.63% | 2.19% | 2.05% | 2.38% | 2.49% | 5.29% | +310 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0.15% | 0.01% | 0.02% | +1 bps | |
| Allowance / Loans | 1.61% | 1.61% | 1.67% | 1.69% | 1.76% | 1.63% | 1.76% | 1.82% | +13 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.6x | 0.6x | 0.8x | 0.9x | 0.7x | 0.7x | 0.3x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 9.70% | 9.86% | 10.31% | 10.33% | 10.26% | 10.15% | 10.31% | 0 bps | |
| Total Risk-Based Capital | 9.87% | 9.70% | 9.86% | 10.31% | 10.33% | 10.26% | 10.15% | 10.31% | 0 bps | |
| Equity / Assets | 4.51% | 3.15% | 3.89% | 4.17% | 5.33% | 5.58% | 5.60% | 5.60% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.17% | 46.37% | 48.06% | 49.14% | 49.99% | 50.11% | 50.30% | 51.62% | +248 bps | |
| Liquid Assets / Assets | 10.23% | 7.53% | 6.82% | 5.08% | 4.69% | 6.50% | 6.71% | 5.78% | +70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 273% | 282% | 279% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.72% | 1.06% | 1.45% | Beats 36% | 477 / 746 | ||
| Return on Equity | 15.53% | 6.74% | 10.51% | 13.63% | Beats 86% | 108 / 746 | ||
| Net Interest Margin | 3.69% | 3.17% | 3.68% | 4.16% | Beats 51% | 365 / 746 | ||
| Efficiency Ratio | 70.20% | 55.74% | 64.58% | 75.47% | Beats 37% | 474 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.29% | 0.09% | 0.42% | 1.07% | Beats 2% | 732 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 44% | 414 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.31% | 11.55% | 13.75% | 17.60% | Beats 12% | 659 / 746 | ||
| Total Risk-Based Capital Ratio | 10.31% | 11.71% | 14.33% | 18.43% | Beats 11% | 666 / 746 | ||
| Equity / Assets | 5.60% | 8.90% | 10.51% | 13.06% | Beats 2% | 734 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.62% | 61.31% | 78.27% | 90.78% | 14th pctl | 643 / 746 | ||
| Loans / Assets | 48.49% | 53.60% | 66.97% | 76.08% | 19th pctl | 606 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||