First New Mexico Bank, Las Cruces
Las Cruces, NM · Cert 58745 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First NM Financial Corp.
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (9 in holding)
Q2 2026
$171.9MAssets
$99.7MLoans
$146.1MDeposits
$22.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets operating in a single state (rank 72 of 746).
- Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets operating in a single state (rank 674 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.81%
Rank 83 of 746
Net Interest Margin
4.63%
Rank 72 of 746
Efficiency Ratio
58.03%
Rank 242 of 746
Equity / Assets
12.90%
Rank 195 of 746
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 68% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.72% | 1.06% | 1.45% | Beats 89% | 83 / 746 | | |
| Return on Equity | 14.07% | 6.74% | 10.51% | 13.63% | Beats 77% | 169 / 746 | | |
| Net Interest Margin | 4.63% | 3.17% | 3.68% | 4.16% | Beats 90% | 72 / 746 | | |
| Efficiency Ratio | 58.03% | 55.74% | 64.58% | 75.47% | Beats 68% | 242 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.31% | 0.09% | 0.42% | 1.07% | Beats 9% | 674 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 72% | 209 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.05% | 11.55% | 13.75% | 17.60% | Beats 42% | 431 / 746 | | |
| Total Risk-Based Capital Ratio | 13.05% | 11.71% | 14.33% | 18.43% | Beats 38% | 466 / 746 | | |
| Equity / Assets | 12.90% | 8.90% | 10.51% | 13.06% | Beats 74% | 195 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.26% | 61.31% | 78.27% | 90.78% | 33rd pctl | 500 / 746 | | |
| Loans / Assets | 58.01% | 53.60% | 66.97% | 76.08% | 32nd pctl | 506 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |