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
Unfavorable gap of $11.9M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state | 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 |