BlastPoint's Banking Scorecard
First National Bank
Micro
Specialty: Commercial
NM
FDIC cert 17643
Designations: ✓ Community bank
Alamogordo, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
First National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.78% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$470.3M
-0.7% YoY
+2.6% QoQ
|
+$252.8M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$218.0M
+4.5% YoY
+2.8% QoQ
|
+$78.8M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$442.2M
-3.2% YoY
+2.4% QoQ
|
+$258.5M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.62%
+35.2% YoY
-2.4% QoQ
|
+0.54% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.81%
+13.1% YoY
+1.0% QoQ
|
-0.04% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
57.21%
-13.4% YoY
-1.2% QoQ
|
-10.52% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
2.42%
-10.6% YoY
+15.9% QoQ
|
+1.78% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
49.29%
+8.0% YoY
+0.4% QoQ
|
-25.23% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.08%
+4.6% YoY
-3.9% QoQ
|
+12.68% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
1.12%
-5.9% YoY
+16.2% QoQ
|
+0.67% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.75%
+91.7% YoY
+37.9% QoQ
|
+0.18% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.42%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Deposits
Current: $442.2M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $470.3M · Tier avg: $217.5M
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.08% · Tier avg: 22.39%
88
88th pctile
Loan-to-Deposit Ratio
Current: 49.29% · Tier avg: 74.53%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
80
80th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
78
78th pctile
Total Loans
Current: $218.0M · Tier avg: $139.2M
75
75th pctile
Efficiency Ratio
Current: 57.21% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.42% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.42% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Efficiency Ratio
Current: 57.21% · Tier avg: 67.73%
78
78th pctile
Total Loans
Current: $218.0M · Tier avg: $139.2M
80
80th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
88
88th pctile
Loan-to-Deposit Ratio
Current: 49.29% · Tier avg: 74.53%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.08% · Tier avg: 22.39%
96
96th pctile
Total Assets
Current: $470.3M · Tier avg: $217.5M
100
100th pctile
Total Deposits
Current: $442.2M · Tier avg: $183.7M