BlastPoint's Banking Scorecard
First New Mexico Bank
Micro
Specialty: Commercial
NM
FDIC cert 18514
Designations: ✓ Community bank
Deming, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
First New Mexico Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.49% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$276.2M
+3.8% YoY
+4.6% QoQ
|
+$58.7M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$121.7M
-1.2% YoY
+2.1% QoQ
|
-$17.5M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$232.8M
+3.1% YoY
+5.2% QoQ
|
+$49.1M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.55%
+6.1% YoY
+7.0% QoQ
|
+0.46% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
4.01%
+9.1% YoY
+1.1% QoQ
|
+0.16% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
44.24%
-15.8% YoY
-5.8% QoQ
|
-23.49% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
1.05%
-72.8% YoY
+33.6% QoQ
|
+0.41% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
52.28%
-4.2% YoY
-3.0% QoQ
|
-22.25% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.83%
-9.3% YoY
-7.4% QoQ
|
+9.44% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
1.28%
-28.3% YoY
+5.8% QoQ
|
+0.82% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| 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 ? |
0.33%
-11.0% YoY
+25.7% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.24%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
96
96th pctile
Efficiency Ratio
Current: 44.24% · Tier avg: 67.73%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.28% · Tier avg: 74.53%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.83% · Tier avg: 22.39%
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
67
67th pctile
Total Assets
Current: $276.2M · Tier avg: $217.5M
67
67th pctile
Total Deposits
Current: $232.8M · Tier avg: $183.7M
59
59th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Loans
Current: $121.7M · Tier avg: $139.2M
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
28
28th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.45%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.28% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.64%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
50
50th pctile
Total Loans
Current: $121.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.85%
67
67th pctile
Total Deposits
Current: $232.8M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $276.2M · Tier avg: $217.5M
77
77th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.08%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.83% · Tier avg: 22.39%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.28% · Tier avg: 74.53%
96
96th pctile
Efficiency Ratio
Current: 44.24% · Tier avg: 67.73%