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First National Bank

$100M-$1B Specialty: Commercial NM FDIC cert 17643

Alamogordo, NM

6 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
  • Deposits -2.6% year over year ($425.4M on the books).
  • Delinquency rate 5.39%.
  • Return on assets 1.08%.
  • Efficiency ratio 70.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 50.68% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM
View $100M-$1B leaderboard (NM) →

First National Bank has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest-Bearing Deposit Share 13.38% above tier average
  • + Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 2.9% in tier
  • - Capital Thin: Bottom 11.2% in tier
  • - Deposit Outflow: Bottom 25.4% in tier
  • - Flatlined Growth: Bottom 27.6% in tier
  • - Delinquency Rate 4.47% above tier average
  • - Nonperforming Asset Ratio 1.90% above tier average
  • - Efficiency Ratio 5.72% above tier average
Get updates when First National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $452.8M
-1.1% YoY -2.5% QoQ
+$66.3M $386.6M
+1.2% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $215.6M
+2.1% YoY -0.0% QoQ
-$42.8M $258.3M
+1.7% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $425.4M
-2.6% YoY -2.5% QoQ
+$98.6M $326.7M
+0.7% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.08%
-38.6% YoY -18.8% QoQ
-0.24% 1.32%
+10.8% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 4.08%
+10.0% YoY -4.5% QoQ
+0.09% 3.99%
+5.0% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 70.20%
+24.9% YoY +8.6% QoQ
+5.72% 64.48%
-3.2% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
29%
Delinquency Rate ? 5.39%
+141.7% YoY +112.7% QoQ
+4.47% 0.92%
+15.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
Bottom 2.2% in tier
Loan-to-Deposit Ratio ? 50.68%
+4.9% YoY +2.6% QoQ
-27.27% 77.95%
+1.0% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
Top 8.6% in tier
Non-Interest-Bearing Deposit Share ? 35.41%
-3.7% YoY +1.9% QoQ
+13.38% 22.03%
-0.6% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
Top 9.4% in tier
Nonperforming Asset Ratio ? 2.57%
+149.7% YoY +116.7% QoQ
+1.90% 0.67%
+16.4% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
Bottom 4.6% in tier
Tier 1 Capital Ratio ? 10.31%
+0.0% YoY +1.6% QoQ
-5.60% 15.91%
+1.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
Bottom 14.5% in tier
Non-Interest Income / Assets ? 0.20%
-52.8% YoY +109.5% QoQ
-0.36% 0.57%
+7.6% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Noninterest-Bearing 35.4%
-1.4pp YoY
+0.7pp QoQ
 +13.3pp 22.1% 34.1% 22.2% 90%
Brokered Deposits n/a n/a 7.9% 5.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 6.4%
+0.5pp YoY
+0.1pp QoQ
 -5.1pp 11.6% 20.2% 12.5% 29%
CRE 65.1%
+1.6pp YoY
+0.6pp QoQ
 +25.6pp 39.5% 50.8% 41.4% 89%
1-4 Family 11.1%
+0.6pp YoY
+0.7pp QoQ
 -21.5pp 32.6% 20.2% 31.3% 12%
Consumer 18.5%
-2.2pp YoY
-0.9pp QoQ
 +14.4pp 4.1% 3.8% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 26.0% 19.7% n/a
Leverage Ratio 10.3%
0.0pp YoY
+0.2pp QoQ
 -1.9pp 12.2% 13.9% 12.6% 38%
Total Capital Ratio n/a n/a 19.9% 27.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 91
-2 (-2.2%) YoY
-1 (-1.1%) QoQ
 +32 58 75 482 83%
Assets per Employee ($) $5.0M
+1.0% YoY
-1.4% QoQ
 -$2.5M $7.5M $7.6M $8.8M 14%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 5.4%
+3.2pp YoY
+2.9pp QoQ
 +4.5pp 0.9% 1.1% 1.0% 98%
Allowance Coverage 0.34x
-55.4% YoY
-51.3% QoQ
 -23.81x 24.15x 56.44x 20.23x 4%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 51%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 19.4%
-28.0pp YoY
-4.5pp QoQ
 +7.2pp 12.2% 18.9% 11.6% 86%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.0% 1.7% 8%
Net Income ($, YTD) $2.5M
-39.0% YoY
— QoQ
 -$46K $2.6M $5.6M $40.4M 62%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Margin Compression

decline
#10 of 307 • Bottom 2.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.08%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Thin

risk
#75 of 661 • Bottom 11.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.31%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Outflow

decline
#137 of 535 • Bottom 25.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#147 of 529 • Bottom 27.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.08%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

229
Loan-to-Deposit Ratio
liquidity
Value: 50.68%
Peer Median: 77.95%
#229 of 2643 Top 8.6% in $100M-$1B
250
Non-Interest-Bearing Deposit Share
funding
Value: 35.41%
Peer Median: 22.03%
#250 of 2643 Top 9.4% in $100M-$1B

Top Weaknesses (3 metrics)

2575
Delinquency Rate
credit_quality
Value: 5.39%
Peer Median: 0.92%
#2575 of 2633 Bottom 2.2% in $100M-$1B
2522
Nonperforming Asset Ratio
credit_quality
Value: 2.57%
Peer Median: 0.67%
#2522 of 2643 Bottom 4.6% in $100M-$1B
2261
Tier 1 Capital Ratio
capital
Value: 10.31%
Peer Median: 15.91%
#2261 of 2643 Bottom 14.5% in $100M-$1B
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