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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.06% | 1.89% | 2.03% | 2.00% | 2.25% | 2.30% | 2.33% | 2.19% | +19 bps | |
| Return on Equity | 25.21% | 22.67% | 25.78% | 25.00% | 24.70% | 22.42% | 22.70% | 22.10% | -290 bps | |
| Net Interest Margin | 4.55% | 4.41% | 4.21% | 4.51% | 4.52% | 4.56% | 4.56% | 4.60% | +9 bps | |
| Efficiency Ratio | 44.59% | 32.84% | 41.32% | 42.97% | 40.14% | 41.32% | 38.56% | 41.78% | -118 bps | |
| Non-Interest Burden | 1.79% | 1.12% | 1.49% | 1.68% | 1.49% | 1.59% | 1.45% | 1.61% | -7 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 | 0.03% | 2.34% | 0.00% | 0.25% | -0.02% | 0.39% | 0.00% | 0.01% | -24 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 | |