BlastPoint's Banking Scorecard
First New Mexico Bank of Silver City
Micro
Specialty: Commercial
NM
FDIC cert 24865
Designations: ✓ Community bank
Silver City, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
First New Mexico Bank of Silver City demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.52% 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 ? |
$147.4M
+4.0% YoY
+3.0% QoQ
|
-$70.1M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$81.6M
+18.9% YoY
+2.4% QoQ
|
-$57.6M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$124.5M
+3.0% YoY
+3.1% QoQ
|
-$59.2M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.83%
+20.5% YoY
+7.4% QoQ
|
+0.74% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
5.37%
+14.7% YoY
+0.2% QoQ
|
+1.52% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
56.29%
-7.6% YoY
-4.4% QoQ
|
-11.43% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.09%
-75.7% YoY
-46.5% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
65.56%
+15.5% YoY
-0.7% QoQ
|
-8.97% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
22.16%
-19.4% YoY
+1.1% QoQ
|
-0.23% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.05%
-72.2% YoY
-46.8% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
74% |
| 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 ? |
0.24%
-66.0% YoY
+42.5% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.37%
(Tier avg: 3.85%, National avg: 3.75%)
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
95
95th pctile
Net Interest Margin
Current: 5.37% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.08%
78
78th pctile
Efficiency Ratio
Current: 56.29% · Tier avg: 67.73%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.56% · Tier avg: 74.53%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.16% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Total Assets
Current: $147.4M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $124.5M · Tier avg: $183.7M
35
35th pctile
Total Loans
Current: $81.6M · Tier avg: $139.2M
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
Top Weaknesses
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
35
35th pctile
Total Loans
Current: $81.6M · Tier avg: $139.2M
37
37th pctile
Total Deposits
Current: $124.5M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $147.4M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.16% · Tier avg: 22.39%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.56% · Tier avg: 74.53%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
78
78th pctile
Efficiency Ratio
Current: 56.29% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.37% · Tier avg: 3.85%