Four Corners Community Bank
Farmington, NM · Cert 35441 · Peer group: banks under $1B in assets (n=581-629) · 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 58 of 629).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets (rank 585 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.56%
Rank 132 of 629
Net Interest Margin
4.06%
Rank 152 of 629
Efficiency Ratio
52.30%
Rank 87 of 629
Equity / Assets
8.65%
Rank 507 of 629
Non-interest income vs. expense
Unfavorable gap of $12.4M · efficiency ratio beats 86% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.60% | 1.01% | 1.45% | Beats 79% | 132 / 629 | | |
| Return on Equity | 18.07% | 5.38% | 9.30% | 13.28% | Beats 91% | 58 / 629 | | |
| Net Interest Margin | 4.06% | 3.03% | 3.54% | 4.05% | Beats 76% | 152 / 629 | | |
| Efficiency Ratio | 52.30% | 58.35% | 67.79% | 79.08% | Beats 86% | 87 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.09% | 0.46% | 1.20% | Beats 56% | 259 / 581 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | 0.01% | 0.06% | Beats 17% | 482 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.62% | 11.24% | 13.84% | 18.77% | Beats 7% | 583 / 629 | | |
| Total Risk-Based Capital Ratio | 9.62% | 11.58% | 14.43% | 19.66% | Beats 7% | 585 / 629 | | |
| Equity / Assets | 8.65% | 9.09% | 10.65% | 13.80% | Beats 19% | 507 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.11% | 67.24% | 80.90% | 93.48% | 47th pctl | 313 / 594 | | |
| Loans / Assets | 67.98% | 53.31% | 67.71% | 78.15% | 50th pctl | 312 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |