BlastPoint's Banking Scorecard
First National Bank
Alamogordo, NM
6 branches across NM
First National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 9.3% in tier
- - Deposit Outflow: Bottom 28.5% in tier
- - Delinquency Rate 1.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$464.5M
-0.5% YoY
-1.2% QoQ
|
+$78.4M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$215.6M
+2.7% YoY
-1.1% QoQ
|
-$40.1M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$436.3M
-1.8% YoY
-1.3% QoQ
|
+$108.4M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
1.34%
+9.5% YoY
-17.7% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
4.27%
+17.1% YoY
+11.9% QoQ
|
+0.34% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
64.62%
+1.2% YoY
+13.0% QoQ
|
-0.67% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
2.53%
-5.3% YoY
+4.7% QoQ
|
+1.65% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.0% in tier |
| Loan-to-Deposit Ratio ? |
49.42%
+4.6% YoY
+0.2% QoQ
|
-27.22% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
Top 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.74%
-4.7% YoY
-1.0% QoQ
|
+12.72% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 10.3% in tier |
| Nonperforming Asset Ratio ? |
1.18%
-1.6% YoY
+5.5% QoQ
|
+0.55% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.15%
+2.9% YoY
-1.2% QoQ
|
-5.68% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.4% in tier |
| Non-Interest Income / Assets ? |
0.10%
+10.4% YoY
-87.0% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
50% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.