BlastPoint's Banking Scorecard
First American Bank
Designations: ✓ Community bank
Artesia, NM
21 branches across NM · TX
First American Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 11.6% in tier
- + Profitability Leader: Top 14.9% in tier
- + Efficiency Ratio 22.50% below tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
-1.1% YoY
+4.6% QoQ
|
-$884.7M |
$2.8B
-0.1% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$1.1B
+7.1% YoY
+5.1% QoQ
|
-$845.7M |
$2.0B
+0.6% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$1.7B
-3.0% YoY
+5.9% QoQ
|
-$680.3M |
$2.3B
-0.3% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
2.97%
+15.3% YoY
+8.2% QoQ
|
+1.60% |
1.37%
+19.6% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 2.5% in tier |
| Net Interest Margin ? |
4.95%
+7.5% YoY
+1.1% QoQ
|
+1.13% |
3.82%
+6.9% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
Top 5.8% in tier |
| Efficiency Ratio ? |
38.56%
-6.7% YoY
-7.0% QoQ
|
-22.50% |
61.06%
-4.6% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
Top 6.4% in tier |
| Delinquency Rate ? |
0.52%
-46.2% YoY
-5.4% QoQ
|
-0.37% |
0.89%
+14.1% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
67.30%
+10.4% YoY
-0.8% QoQ
|
-16.91% |
84.20%
+0.3% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
Top 14.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.75%
+6.5% YoY
+6.4% QoQ
|
+20.46% |
21.29%
-2.5% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 4.0% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-40.8% YoY
-4.9% QoQ
|
-0.36% |
0.67%
+15.6% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
17.83%
+10.1% YoY
-8.4% QoQ
|
+2.67% |
15.16%
+2.0% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
Top 12.2% in tier |
| Non-Interest Income / Assets ? |
0.14%
+3.6% YoY
-77.0% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.