BlastPoint's Banking Scorecard
First New Mexico Bank, Las Cruces
Micro
Specialty: Commercial
NM
FDIC cert 58745
Designations: ✓ Community bank
Las Cruces, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
First New Mexico Bank, Las Cruces has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.59% above tier
- + Non-Interest-Bearing Deposit Share 21.23% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.81% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.8M
+7.9% YoY
+2.6% QoQ
|
-$52.7M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$94.2M
+10.2% YoY
-2.0% QoQ
|
-$45.0M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$138.8M
+8.6% YoY
+3.0% QoQ
|
-$44.9M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.88%
+15.5% YoY
+9.1% QoQ
|
+0.80% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
5.45%
+0.4% YoY
-0.9% QoQ
|
+1.59% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
57.88%
-1.9% YoY
-0.0% QoQ
|
-9.85% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? | 2.45% | +1.81% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
67.88%
+1.5% YoY
-4.8% QoQ
|
-6.65% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
43.62%
+7.9% YoY
+3.6% QoQ
|
+21.23% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? | 1.40% | +0.95% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% 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 ? |
0.36%
-15.4% YoY
+38.0% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.45%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.62%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.45%
(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
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.62% · Tier avg: 22.39%
95
95th pctile
Net Interest Margin
Current: 5.45% · Tier avg: 3.85%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
73
73th pctile
Efficiency Ratio
Current: 57.88% · Tier avg: 67.73%
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.88% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
42
42th pctile
Total Deposits
Current: $138.8M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $164.8M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $94.2M · Tier avg: $139.2M
13
13th pctile
Nonperforming Asset Ratio
Current: 1.40% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.45% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.40% · Tier avg: 0.45%
41
41th pctile
Total Loans
Current: $94.2M · Tier avg: $139.2M
42
42th pctile
Total Assets
Current: $164.8M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $138.8M · Tier avg: $183.7M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.88% · Tier avg: 74.53%
73
73th pctile
Efficiency Ratio
Current: 57.88% · Tier avg: 67.73%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.45% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.62% · Tier avg: 22.39%