Four Corners Community Bank
Farmington, NM · Cert 35441 · Peer group: banks under $1B in assets (n=570-617) · Mesa West Bcorp
State charter, non-member · FDIC · 6 branches
Q2 2026
$662.3MAssets
$450.3MLoans
$569.1MDeposits
$57.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 91% of banks under $1B in assets (rank 57 of 617).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 574 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.56%
Rank 129 of 617
Net Interest Margin
4.06%
Rank 147 of 617
Efficiency Ratio
52.30%
Rank 84 of 617
Equity / Assets
8.65%
Rank 497 of 617
Non-interest income vs. expense
Unfavorable gap of $12.4M · efficiency ratio beats 87% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.60% | 1.01% | 1.45% | Beats 79% | 129 / 617 | |
| Return on Equity | 18.07% | 5.30% | 9.43% | 13.30% | Beats 91% | 57 / 617 | |
| Net Interest Margin | 4.06% | 3.04% | 3.54% | 4.05% | Beats 76% | 147 / 617 | |
| Efficiency Ratio | 52.30% | 58.03% | 67.76% | 79.08% | Beats 87% | 84 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.09% | 0.47% | 1.27% | Beats 57% | 246 / 570 | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 16% | 482 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 9.62% | 11.18% | 13.83% | 18.55% | Beats 7% | 572 / 617 | |
| Total Risk-Based Capital Ratio | 9.62% | 11.56% | 14.39% | 19.39% | Beats 7% | 574 / 617 | |
| Equity / Assets | 8.65% | 9.03% | 10.55% | 13.63% | Beats 19% | 497 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 79.11% | 64.77% | 79.70% | 93.06% | 49th pctl | 299 / 582 | |
| Loans / Assets | 67.98% | 51.70% | 67.18% | 77.51% | 52nd pctl | 297 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |