BlastPoint's Banking Scorecard
First American Bank
Community
Specialty: Commercial
NM
FDIC cert 2240
Artesia, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
First American Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 12% in Community
- + Profitability Leader: Top 25% in Community
- + Efficiency Ratio 19.12% below tier
- + Tier 1 Capital Ratio 9.21% above 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 ? |
$1.8B
+4.5% YoY
+0.1% QoQ
|
+$453.8M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.1B
+6.3% YoY
-0.8% QoQ
|
+$89.3M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.6B
+2.1% YoY
-0.6% QoQ
|
+$405.5M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
2.63%
+6.6% YoY
-1.9% QoQ
|
+1.47% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.90%
+1.4% YoY
+0.9% QoQ
|
+1.24% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
43.51%
+5.1% YoY
+4.9% QoQ
|
-19.12% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.55%
-31.9% YoY
-35.8% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
67.81%
+4.1% YoY
-0.2% QoQ
|
-15.25% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
39.24%
+7.8% YoY
-5.7% QoQ
|
+18.19% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-28.3% YoY
-35.3% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
19.45%
+13.8% YoY
+9.1% QoQ
|
+9.21% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.63%
-4.8% YoY
+33.1% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (4)
Deposit Franchise
growth
#19 of 150 · Top 12% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
39.24%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.90%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#93 of 371 · Top 25% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.63%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.51%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.45%
(Tier avg: 10.24%, National avg: 9.75%)
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
98
98th pctile
Return on Assets
Current: 2.63% · Tier avg: 1.16%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.24% · Tier avg: 21.05%
94
94th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.66%
93
93th pctile
Efficiency Ratio
Current: 43.51% · Tier avg: 62.63%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.45% · Tier avg: 10.24%
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.81% · Tier avg: 83.06%
Top Weaknesses
17
17th pctile
Loan-to-Deposit Ratio
Current: 67.81% · Tier avg: 83.06%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
77
77th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
92
92th pctile
Tier 1 Capital Ratio
Current: 19.45% · Tier avg: 10.24%
93
93th pctile
Efficiency Ratio
Current: 43.51% · Tier avg: 62.63%
94
94th pctile
Net Interest Margin
Current: 4.90% · Tier avg: 3.66%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.24% · Tier avg: 21.05%
98
98th pctile
Return on Assets
Current: 2.63% · Tier avg: 1.16%