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
Unfavorable gap of $4.3M · efficiency ratio beats 90% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.67% | 0.72% | 1.06% | 1.45% | Beats 84% | 118 / 746 | |
| Return on Equity | 11.41% | 6.74% | 10.51% | 13.63% | Beats 59% | 308 / 746 | |
| Net Interest Margin | 3.80% | 3.17% | 3.68% | 4.16% | Beats 56% | 330 / 746 | |
| Efficiency Ratio | 47.31% | 55.74% | 64.58% | 75.47% | Beats 90% | 73 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.42% | 1.07% | Beats 69% | 228 / 743 | |
| Net Charge-Offs / Loans | 0.21% | 0.00% | 0.01% | 0.05% | Beats 8% | 688 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.73% | 11.55% | 13.75% | 17.60% | Beats 58% | 311 / 746 | |
| Total Risk-Based Capital Ratio | 14.73% | 11.71% | 14.33% | 18.43% | Beats 53% | 352 / 746 | |
| Equity / Assets | 14.63% | 8.90% | 10.51% | 13.06% | Beats 85% | 109 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 53.60% | 61.31% | 78.27% | 90.78% | 16th pctl | 628 / 746 | |
| Loans / Assets | 44.97% | 53.60% | 66.97% | 76.08% | 14th pctl | 641 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |