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First New Mexico Bank

Deming, NM · Cert 18514 · First NM Financial Corp.

State charter, non-member · FDIC · 3 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

90

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 New Mexico Bank

Deming, NM · Cert 18514 · First NM Financial Corp.

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (9 in holding)

Q2 2026

$275.1MAssets
$123.7MLoans
$230.9MDeposits
$40.3MEquity
Loan mix
84%RE $98.7M14%C&I $16.7M2%Consumer $2.6MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $153.6M33%Noninterest $77.2MQ2 2025Q2 2026

NIM

4.52%Q2 ’244.80%Q2 ’254.82%Q2 ’26+9%+3%

Non-interest income vs. expense

2.02%Q2 ’242.03%Q2 ’251.99%Q2 ’26+2%-6%

Executive Summary

  • Earnings: ROA of 1.67%, up 30 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.16% of loans (-66 bps YoY), with net charge-offs at 0.42%.
  • Capital: tier 1 leverage ratio of 14.73%, up 38 bps from a year ago.
  • Funding: loans stand at 53.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.67%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+11 bps YoY

Efficiency Ratio (YTD, annualized)

47.31%-303 bps YoY

Tier 1 Leverage Ratio

14.73%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.45%1.55%1.71%1.67%+30 bps
Return on Equity9.93%10.32%11.01%11.93%11.57%+164 bps
Net Interest Margin3.69%3.70%3.67%3.70%3.80%+11 bps
Efficiency Ratio50.34%46.94%44.24%48.39%47.31%-303 bps
Non-Interest Burden1.69%1.56%1.44%1.60%1.58%-11 bps
Growth
Asset Growth (YoY)-2.00%0.52%3.82%2.68%6.47%+846 bps
Loan Growth (YoY)13.05%-3.24%-1.14%-0.90%-1.55%-1,460 bps
Deposit Growth (YoY)-3.65%-0.63%3.11%2.16%6.85%+1,050 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.76%1.02%1.30%0.16%-66 bps
Net Charge-Offs / Loans0.26%0.30%0.39%0.03%0.42%+15 bps
Allowance / Loans2.13%2.35%2.21%2.18%2.19%+7 bps
Allowance Coverage of NPLs2.6x3.1x2.2x1.7x14.1x+11.5x
Capital
Tier 1 Leverage Ratio14.35%14.73%14.53%14.51%14.73%+38 bps
Total Risk-Based Capital14.35%14.73%14.53%14.51%14.73%+38 bps
Equity / Assets14.49%14.58%14.17%14.47%14.63%+14 bps
Liquidity & Funding
Loans / Deposits58.17%55.19%53.46%54.50%53.60%-457 bps
Liquid Assets / Assets39.49%40.08%40.06%39.97%40.48%+99 bps
CRE / Total Capitaln/a182.94%180.33%176.71%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 New Mexico Bank

Deming, NM · Cert 18514 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First NM Financial Corp.

State charter, non-member · FDIC · 2 affiliate banks · 3 branches (9 in holding)

Q2 2026

$275.1MAssets
$123.7MLoans
$230.9MDeposits
$40.3MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 90% of banks under $1B in assets operating in a single state (rank 73 of 746).
  • Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets operating in a single state (rank 688 of 743).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.67%

Rank 118 of 746

Net Interest Margin

3.80%

Rank 330 of 746

Efficiency Ratio

47.31%

Rank 73 of 746

Equity / Assets

14.63%

Rank 109 of 746

Non-interest income vs. expense

$1.1M$5.5MINCOMEEXPENSE
Unfavorable gap of $4.3M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state
Bank 47.31%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.67%0.72%1.06%1.45%Beats 84%118 / 746
Return on Equity11.41%6.74%10.51%13.63%Beats 59%308 / 746
Net Interest Margin3.80%3.17%3.68%4.16%Beats 56%330 / 746
Efficiency Ratio47.31%55.74%64.58%75.47%Beats 90%73 / 746
Asset Quality
Nonperforming Loans / Loans0.16%0.09%0.42%1.07%Beats 69%228 / 743
Net Charge-Offs / Loans0.21%0.00%0.01%0.05%Beats 8%688 / 743
Capital
Tier 1 Capital Ratio14.73%11.55%13.75%17.60%Beats 58%311 / 746
Total Risk-Based Capital Ratio14.73%11.71%14.33%18.43%Beats 53%352 / 746
Equity / Assets14.63%8.90%10.51%13.06%Beats 85%109 / 746
Liquidity & Funding
Loans / Deposits53.60%61.31%78.27%90.78%16th pctl628 / 746
Loans / Assets44.97%53.60%66.97%76.08%14th pctl641 / 746
Brokered Deposits / Depositsn/aNot reported for this institution