Artesia, NM · Cert 2240 · First Artesia Bancshares Inc.
State charter, non-member · FDIC · 21 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 $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
70
Profitability
96
Liquidity
0
Efficiency
95
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.
Artesia, NM · Cert 2240 · First Artesia Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Market Position · Las Cruces, NM · 2026 SOD (annual) · 5.1% share · #4 of 17 inst. · $0.2B of $3.3B
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 | 1.97% | 1.95% | 2.03% | 2.03% | 2.11% | 2.16% | 2.33% | 2.27% | +24 bps | |
| Return on Equity | 25.46% | 25.02% | 25.78% | 25.31% | 24.86% | 24.23% | 22.70% | 22.32% | -298 bps | |
| Net Interest Margin | 4.37% | 4.34% | 4.21% | 4.31% | 4.46% | 4.46% | 4.56% | 4.58% | +27 bps | |
| Efficiency Ratio | 44.30% | 41.39% | 41.32% | 42.18% | 41.49% | 41.45% | 38.56% | 40.18% | -200 bps | |
| Non-Interest Burden | 1.71% | 1.55% | 1.49% | 1.57% | 1.57% | 1.57% | 1.45% | 1.53% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.19% | -2.30% | 7.56% | 5.59% | 3.62% | 4.52% | -1.06% | 2.28% | -331 bps | |
| Loan Growth (YoY) | 5.48% | 6.67% | 11.10% | 13.41% | 9.44% | 6.43% | 7.23% | 6.35% | -706 bps | |
| Deposit Growth (YoY) | 2.63% | 0.79% | 9.66% | 4.50% | 4.51% | 2.12% | -2.98% | 1.08% | -343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.97% | 0.79% | 0.95% | 0.86% | 0.84% | 0.54% | 0.51% | 0.53% | -33 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.62% | 0.00% | 0.12% | 0.08% | 0.16% | 0.00% | 0.00% | -12 bps | |
| Allowance / Loans | 1.95% | 1.77% | 1.79% | 1.80% | 1.91% | 1.88% | 1.87% | 1.91% | +10 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.2x | 1.9x | 2.1x | 2.3x | 3.5x | 3.7x | 3.6x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.49% | 10.97% | 10.31% | 10.52% | 11.44% | 12.06% | 11.66% | 11.79% | +127 bps | |
| Total Risk-Based Capital | 17.55% | 18.35% | 17.45% | 18.00% | 19.08% | 20.71% | 19.08% | 19.19% | +119 bps | |
| Equity / Assets | 8.57% | 8.14% | 7.61% | 8.40% | 9.85% | 10.69% | 9.87% | 9.98% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.15% | 66.32% | 62.05% | 68.11% | 69.28% | 69.12% | 68.58% | 71.67% | +355 bps | |
| Liquid Assets / Assets | 4.47% | 4.57% | 11.40% | 6.95% | 6.33% | 7.71% | 8.74% | 7.21% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 312% | 338% | n/a | n/a | |
Artesia, NM · Cert 2240 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Artesia Bancshares Inc.
State charter, non-member · FDIC · 21 branches
Q2 2026
Return on Assets
2.25%
Rank 7 of 176
Net Interest Margin
4.58%
Rank 11 of 176
Efficiency Ratio
41.31%
Rank 10 of 176
Equity / Assets
9.98%
Rank 102 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.25% | 0.93% | 1.26% | 1.54% | Beats 96% | 7 / 176 | ||
| Return on Equity | 22.56% | 9.26% | 11.89% | 14.46% | Beats 98% | 4 / 176 | ||
| Net Interest Margin | 4.58% | 3.25% | 3.59% | 3.93% | Beats 94% | 11 / 176 | ||
| Efficiency Ratio | 41.31% | 52.79% | 59.55% | 67.66% | Beats 95% | 10 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.30% | 0.64% | 1.32% | Beats 58% | 75 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 82% | 33 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.94% | 11.15% | 12.72% | 14.15% | Beats 95% | 8 / 176 | ||
| Total Risk-Based Capital Ratio | 19.19% | 11.81% | 13.63% | 15.33% | Beats 95% | 8 / 176 | ||
| Equity / Assets | 9.98% | 9.16% | 10.35% | 11.80% | Beats 42% | 102 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.67% | 80.94% | 89.73% | 97.21% | 9th pctl | 161 / 176 | ||
| Loans / Assets | 61.12% | 69.25% | 75.12% | 80.82% | 9th pctl | 161 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||