BlastPoint's Banking Scorecard

First New Mexico Bank

$100M-$1B Specialty: Commercial NM FDIC cert 18514

Deming, NM

3 branches across NM

2664 banks in the $100M-$1B peer group nationally 22 in NM

First New Mexico Bank has 2 strengths but faces 1 concern

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

+ ROA 0.44% above tier average
+ Efficiency Ratio 16.90% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.44% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$274.4M +2.7% YoY -0.7% QoQ	-$111.7M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$122.9M -1.0% YoY +1.0% QoQ	-$132.8M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$230.6M +2.2% YoY -0.9% QoQ	-$97.4M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.71% +29.9% YoY +10.4% QoQ	+0.44%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	3.96% +0.2% YoY -1.2% QoQ	+0.03%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	48.39% -8.0% YoY +9.4% QoQ	-16.90%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	Top 13.0% in tier
Delinquency Rate ?	1.33% -43.6% YoY +26.8% QoQ	+0.44%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	53.31% -3.1% YoY +2.0% QoQ	-23.33%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	Top 12.2% in tier
Non-Interest-Bearing Deposit Share ?	32.80% -3.3% YoY +3.1% QoQ	+10.78%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 12.9% in tier
Nonperforming Asset Ratio ?	1.41% +29.4% YoY +10.9% QoQ	+0.78%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	Bottom 12.8% in tier
Tier 1 Capital Ratio ?	14.51% +5.2% YoY -0.2% QoQ	-1.32%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.09% +13.1% YoY -71.8% QoQ	-0.19%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

327

Loan-to-Deposit Ratio

liquidity

Value: 53.31%

Peer Median: 76.64%

#327 of 2664 Top 12.2% in $100M-$1B

344

Non-Interest-Bearing Deposit Share

funding

Value: 32.80%

Peer Median: 22.02%

#344 of 2664 Top 12.9% in $100M-$1B

347

Efficiency Ratio

profitability

Value: 48.39%

Peer Median: 65.29%

#347 of 2664 Top 13.0% in $100M-$1B

589

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.27%

#589 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (2 metrics)

2324

Nonperforming Asset Ratio

credit_quality

Value: 1.41%

Peer Median: 0.64%

#2324 of 2664 Bottom 12.8% in $100M-$1B

2079

Delinquency Rate

credit_quality

Value: 1.33%

Peer Median: 0.89%

#2079 of 2654 Bottom 21.7% in $100M-$1B