BlastPoint's Banking Scorecard
Four Corners Community Bank
Community
Specialty: Commercial
NM
FDIC cert 35441
Farmington, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
Four Corners Community Bank faces 2 concerns 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 1.73% above tier
- - Nonperforming Asset Ratio 1.06% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$630.2M
+16.4% YoY
+4.1% QoQ
|
-$761.2M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$417.0M
+21.2% YoY
+5.7% QoQ
|
-$558.5M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$545.6M
+15.2% YoY
+2.7% QoQ
|
-$619.0M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.63%
-3.8% YoY
+3.1% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.21%
-1.9% YoY
+0.5% QoQ
|
+0.54% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
50.19%
-9.9% YoY
+0.3% QoQ
|
-12.44% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
2.36%
-20.3% YoY
-7.3% QoQ
|
+1.73% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
76.42%
+5.2% YoY
+2.9% QoQ
|
-6.64% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
28.72%
-13.2% YoY
-4.7% QoQ
|
+7.68% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.56%
-36.0% YoY
-25.5% QoQ
|
+1.06% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.50%
-4.1% YoY
-0.7% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.36%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Community
Why this stands out
Current:
1.56%
(Tier avg: 0.50%, National avg: 0.48%)
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
83
83th pctile
Efficiency Ratio
Current: 50.19% · Tier avg: 62.63%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.72% · Tier avg: 21.05%
79
79th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.42% · Tier avg: 83.06%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Total Deposits
Current: $545.6M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $630.2M · Tier avg: $1.4B
17
17th pctile
Total Loans
Current: $417.0M · Tier avg: $975.5M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.56% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.36% · Tier avg: 0.63%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.36% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.56% · Tier avg: 0.50%
17
17th pctile
Total Loans
Current: $417.0M · Tier avg: $975.5M
18
18th pctile
Total Assets
Current: $630.2M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $545.6M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.42% · Tier avg: 83.06%
78
78th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.66%
79
79th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.72% · Tier avg: 21.05%
83
83th pctile
Efficiency Ratio
Current: 50.19% · Tier avg: 62.63%