BlastPoint's Banking Scorecard
First New Mexico Bank
Deming, NM
3 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 +6.8% year over year ($230.9M on the books).
- Delinquency rate 0.16%.
- Return on assets 1.67%.
- Efficiency ratio 47.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.42% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First New Mexico Bank shows strong momentum with 4 strengths and 6.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 17.17% below tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.1M
+6.5% YoY
+0.3% QoQ
|
-$111.4M |
$386.6M
+1.2% YoY
|
$566.9M
+3.2% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$121.0M
-1.6% YoY
-1.5% QoQ
|
-$137.3M |
$258.3M
+1.7% YoY
|
$317.6M
+7.5% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$230.9M
+6.8% YoY
+0.1% QoQ
|
-$95.9M |
$326.7M
+0.7% YoY
|
$493.4M
+2.0% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
1.67%
+21.5% YoY
-2.4% QoQ
|
+0.35% |
1.32%
+10.8% YoY
|
1.89%
+4.0% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.07%
+3.3% YoY
+2.6% QoQ
|
+0.08% |
3.99%
+5.0% YoY
|
4.43%
+1.2% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
47.31%
-6.0% YoY
-2.2% QoQ
|
-17.17% |
64.48%
-3.2% YoY
|
57.29%
+2.1% YoY
|
70.05%
+2.5% YoY
|
Top 12.1% in tier |
| Delinquency Rate ? |
0.16%
-80.9% YoY
-88.0% QoQ
|
-0.76% |
0.92%
+15.7% YoY
|
1.04%
-16.3% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
52.42%
-7.9% YoY
-1.7% QoQ
|
-25.53% |
77.95%
+1.0% YoY
|
57.68%
+1.9% YoY
|
79.03%
+2.3% YoY
|
Top 10.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.46%
+2.5% YoY
+2.0% QoQ
|
+11.43% |
22.03%
-0.6% YoY
|
32.88%
-1.5% YoY
|
21.98%
-0.6% YoY
|
Top 11.6% in tier |
| Nonperforming Asset Ratio ? |
0.80%
-42.4% YoY
-43.6% QoQ
|
+0.13% |
0.67%
+16.4% YoY
|
0.60%
-19.3% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.73%
+2.7% YoY
+1.5% QoQ
|
-1.18% |
15.91%
+1.4% YoY
|
21.71%
-4.2% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.21%
+21.2% YoY
+123.6% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.46%
-9.7% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
33.5%
+0.8pp YoY +0.7pp QoQ |
+11.3pp | 22.1% | 34.1% | 22.2% | 88% |
| 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 |
12.8%
-0.4pp YoY -0.8pp QoQ |
+1.3pp | 11.6% | 20.2% | 12.5% | 68% |
| CRE |
60.2%
+1.6pp YoY +2.8pp QoQ |
+20.7pp | 39.5% | 50.8% | 41.4% | 84% |
| 1-4 Family |
14.1%
+0.2pp YoY +0.5pp QoQ |
-18.5pp | 32.6% | 20.2% | 31.3% | 18% |
| Consumer |
2.2%
+0.1pp YoY 0.0pp QoQ |
-1.9pp | 4.1% | 3.8% | 5.0% | 50% |
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 |
14.7%
+0.4pp YoY +0.2pp QoQ |
+2.6pp | 12.2% | 13.9% | 12.6% | 85% |
| 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 |
32
-1 (-3.0%) YoY 0 QoQ |
-27 | 58 | 75 | 482 | 30% |
| Assets per Employee ($) |
$8.6M
+9.8% YoY +0.3% QoQ |
+$1.1M | $7.5M | $7.6M | $8.8M | 75% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY -1.1pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 13% |
| Nonaccrual |
0.2%
-0.5pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 1.1% | 1.0% | 25% |
| Allowance Coverage |
14.07x
+441.4% YoY +735.6% QoQ |
-10.08x | 24.15x | 56.44x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
0.4%
+0.2pp YoY +0.4pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+1.6pp YoY -0.4pp QoQ |
-0.6pp | 12.2% | 18.9% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.0% | 1.7% | 13% |
| Net Income ($, YTD) |
$2.3M
+26.7% YoY — QoQ |
-$259K | $2.6M | $5.6M | $40.4M | 58% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.