Las Cruces, NM · Cert 58745 · First NM Financial Corp.
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (9 in holding)
Q2 2026
Market Position · Las Cruces, NM · 2026 SOD (annual) · 4.5% share · #7 of 17 inst. · $0.1B of $3.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.63% | 1.62% | 1.67% | 1.72% | 1.88% | 1.77% | 1.83% | +16 bps | |
| Return on Equity | 12.29% | 12.64% | 12.26% | 12.71% | 13.07% | 14.27% | 13.80% | 14.24% | +153 bps | |
| Net Interest Margin | 4.93% | 5.02% | 4.89% | 5.00% | 4.96% | 4.95% | 4.55% | 4.63% | -37 bps | |
| Efficiency Ratio | 58.83% | 58.97% | 58.95% | 58.34% | 57.89% | 57.88% | 60.01% | 58.03% | -30 bps | |
| Non-Interest Burden | 2.73% | 2.79% | 2.74% | 2.77% | 2.73% | 2.71% | 2.61% | 2.55% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | -0.92% | -0.18% | 6.09% | 2.31% | 7.90% | 10.10% | 6.58% | +49 bps | |
| Loan Growth (YoY) | 12.89% | 16.69% | 24.30% | 19.13% | 14.78% | 10.23% | 5.38% | 5.32% | -1,381 bps | |
| Deposit Growth (YoY) | 0.74% | -1.76% | -0.78% | 6.53% | 2.31% | 8.65% | 11.55% | 7.52% | +99 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.40% | 2.46% | 2.31% | +231 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.00% | 1.95% | 1.94% | 1.84% | 1.84% | 1.95% | 2.03% | 1.94% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.8x | 0.8x | 0.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.97% | 13.56% | 13.47% | 13.44% | 13.45% | 13.58% | 13.05% | 13.05% | -39 bps | |
| Total Risk-Based Capital | 12.97% | 13.56% | 13.47% | 13.44% | 13.45% | 13.58% | 13.05% | 13.05% | -39 bps | |
| Equity / Assets | 12.86% | 13.41% | 13.04% | 12.99% | 13.32% | 13.15% | 12.52% | 12.90% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.78% | 68.23% | 66.25% | 69.68% | 72.67% | 69.22% | 62.58% | 68.26% | -143 bps | |
| Liquid Assets / Assets | 38.66% | 34.98% | 37.89% | 34.31% | 32.16% | 34.45% | 40.53% | 36.26% | +196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 319% | 316% | n/a | n/a | |