BlastPoint's Banking Scorecard

First American Bank

$1B-$10B Specialty: Commercial NM FDIC cert 2240

Designations: ✓ Community bank

Artesia, NM

21 branches across NM · TX

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 885 banks in the $1B-$10B peer group nationwide — 1 of 6 in NM.
Deposits +1.1% year over year ($1.6B on the books).
Delinquency rate 0.54%.
Return on assets 2.89%.
Efficiency ratio 40.18% vs a 59.73% peer average.
Loan-to-deposit ratio 70.30% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 6 in NM

View $1B-$10B leaderboard (NM) →

First American Bank demonstrates 4 strengths

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

+ Deposit Franchise: Top 13.8% in tier
+ Profitability Leader: Top 18.9% in tier
+ Efficiency Ratio 19.55% below tier average
+ Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First American 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 ?	$1.9B +2.3% YoY -0.9% QoQ	-$878.7M	$2.8B -0.6% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$1.1B +6.2% YoY +2.6% QoQ	-$815.3M	$2.0B -0.3% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$1.6B +1.1% YoY -1.8% QoQ	-$686.0M	$2.3B -0.5% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	2.89% +11.8% YoY -2.5% QoQ	+1.50%	1.39% +17.0% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	Top 2.4% in tier
Net Interest Margin ?	4.95% +2.9% YoY +0.0% QoQ	+1.08%	3.87% +6.2% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	Top 5.5% in tier
Efficiency Ratio ?	40.18% -4.7% YoY +4.2% QoQ	-19.55%	59.73% -12.6% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	Top 7.5% in tier
Delinquency Rate ?	0.54% -38.5% YoY +3.5% QoQ	-0.33%	0.87% +11.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	70.30% +5.1% YoY +4.5% QoQ	-14.74%	85.04% -0.1% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	39.57% +3.4% YoY -5.2% QoQ	+18.30%	21.27% -1.5% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	Top 4.7% in tier
Nonperforming Asset Ratio ?	0.33% -35.2% YoY +6.8% QoQ	-0.34%	0.67% +11.7% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	17.94% +7.1% YoY +0.6% QoQ	+3.09%	14.84% -0.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	Top 11.8% in tier
Non-Interest Income / Assets ?	0.30% +0.3% YoY +106.6% QoQ	-0.23%	0.53% +2.5% 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

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Noninterest-Bearing	39.6% +1.3pp YoY -2.2pp QoQ	+18.2pp	21.4%	34.1%	22.2%	95%
Brokered Deposits	3.7% -1.9pp YoY +0.2pp QoQ	-5.8pp	9.5%	5.2%	8.5%	39%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	14.5% -2.7pp YoY 0.0pp QoQ	+0.5pp	14.0%	20.2%	12.5%	65%
CRE	66.9% +1.6pp YoY -0.9pp QoQ	+16.9pp	50.0%	50.8%	41.4%	85%
1-4 Family	13.2% +0.2pp YoY +0.4pp QoQ	-13.2pp	26.4%	20.2%	31.3%	25%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	3.8%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	17.9% +1.2pp YoY +0.1pp QoQ	+2.3pp	15.6%	26.0%	19.7%	86%
Leverage Ratio	11.8% +1.3pp YoY +0.1pp QoQ	+0.5pp	11.3%	13.9%	12.6%	74%
Total Capital Ratio	19.2% +1.2pp YoY +0.1pp QoQ	+2.5pp	16.7%	27.1%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	245 -4 (-1.6%) YoY +3 (+1.2%) QoQ	-69	313	75	482	53%
Assets per Employee ($)	$7.8M +4.0% YoY -2.1% QoQ	-$2.7M	$10.5M	$7.6M	$8.8M	37%
Branch Count	21 0 YoY 0 QoQ	+1	20	6	18	68%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.5% -0.3pp YoY 0.0pp QoQ	-0.3pp	0.8%	1.1%	1.0%	52%
Allowance Coverage	3.62x +71.9% YoY -1.7% QoQ	-15.09x	18.71x	56.44x	20.23x	69%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	25%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	28.4% -3.7pp YoY -0.4pp QoQ	+15.8pp	12.6%	18.9%	11.6%	97%
Cost of Funds (YTD)	0.8% -0.2pp YoY 0.0pp QoQ	-1.2pp	1.9%	1.0%	1.7%	2%
Net Income ($, YTD)	$27.4M +13.8% YoY — QoQ	+$8.2M	$19.2M	$5.6M	$40.4M	80%

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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 (2)

Deposit Franchise

growth

#12 of 80 • Top 13.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.57%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.95%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ

Profitability Leader

growth

#43 of 222 • Top 18.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.89%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 2.89%

Peer Median: 1.39%

#22 of 885 Top 2.4% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 39.57%

Peer Median: 21.27%

#43 of 885 Top 4.7% in $1B-$10B

Net Interest Margin

profitability

Value: 4.95%

Peer Median: 3.87%

#50 of 885 Top 5.5% in $1B-$10B

Efficiency Ratio

profitability

Value: 40.18%

Peer Median: 59.73%

#67 of 885 Top 7.5% in $1B-$10B

105

Tier 1 Capital Ratio

capital

Value: 17.94%

Peer Median: 14.84%

#105 of 885 Top 11.8% in $1B-$10B

142

Loan-to-Deposit Ratio

liquidity

Value: 70.30%

Peer Median: 85.04%

#142 of 885 Top 15.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available