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Four Corners Community Bank

Farmington, NM · Cert 35441 · Mesa West Bcorp

State charter, non-member · FDIC · 6 branches

Q2 2026

$662.3MAssets
$450.3MLoans
$569.1MDeposits
$57.3MEquity
Loan mix
66%RE $264.9M21%C&I $84.2M13%Consumer $52.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $406.4M29%Noninterest $162.8MQ2 2025Q2 2026

NIM

5.48%Q2 ’245.56%Q2 ’255.94%Q2 ’26+0%+6%

Non-interest income vs. expense

2.38%Q2 ’242.54%Q2 ’252.60%Q2 ’26-28%+71%

Market Position · Farmington, NM · 2026 SOD (annual) · 23.5% share · #2 of 8 inst. · $0.5B of $1.9B

23.5% San Juan
11.6% Montezuma
1.2% La Plata

Executive Summary

  • Earnings: ROA of 1.43%, down 65 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.35% of loans (-246 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 9.62%, down 85 bps from a year ago.
  • Funding: loans stand at 79.11% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.43%-65 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+24 bps YoY

Efficiency Ratio (quarter, annualized)

55.92%+750 bps YoY

Tier 1 Leverage Ratio

9.62%-85 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.08%1.03%1.39%1.82%1.43%-65 bps
Return on Equity23.22%11.45%15.69%20.37%16.22%-701 bps
Net Interest Margin3.96%4.10%4.12%4.02%4.20%+24 bps
Efficiency Ratio48.43%48.26%50.65%48.43%55.92%+750 bps
Non-Interest Burden1.26%1.69%2.05%1.72%2.15%+89 bps
Growth
Asset Growth (YoY)10.92%12.86%16.43%12.70%15.94%+502 bps
Loan Growth (YoY)6.39%17.93%20.92%17.65%22.67%+1,628 bps
Deposit Growth (YoY)11.52%14.29%15.17%10.94%14.23%+272 bps
Asset Quality
Nonperforming Loans / Loans2.80%2.49%2.32%0.39%0.35%-246 bps
Net Charge-Offs / Loans0.04%0.21%0.36%0.11%0.23%+20 bps
Allowance / Loans1.91%1.85%1.73%1.71%1.63%-28 bps
Allowance Coverage of NPLs0.7x0.7x0.7x4.4x4.7x+4.0x
Capital
Tier 1 Leverage Ratio10.48%9.91%9.71%9.80%9.62%-85 bps
Total Risk-Based Capital10.48%9.91%9.71%9.80%9.62%-85 bps
Equity / Assets9.16%8.90%8.86%8.99%8.65%-51 bps
Liquidity & Funding
Loans / Deposits73.67%75.64%77.77%77.70%79.11%+544 bps
Liquid Assets / Assets6.41%4.83%5.89%5.26%5.30%-111 bps
CRE / Total Capitaln/a357%379%372%n/an/a