First American Bank
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
$1.9BAssets
$1.2BLoans
$1.6BDeposits
$191.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 98% of banks $1B-$10B in assets operating regionally (rank 4 of 176).
- Widest gap: equity / assets trails 58% of banks $1B-$10B in assets operating regionally (rank 102 of 176).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $29.8M · efficiency ratio beats 95% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |