BlastPoint's Banking Scorecard

First New Mexico Bank of Silver City

$100M-$1B Specialty: Commercial NM FDIC cert 24865

Silver City, NM

4 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 +2.7% year over year ($123.8M on the books).
Delinquency rate 0.16%.
Return on assets 1.91%.
Efficiency ratio 65.68% vs a 64.48% peer average.
Loan-to-deposit ratio 59.06% 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 New Mexico Bank of Silver City has 4 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

+ Profitability Leader: Top 36.0% in tier
+ Revenue Diversifier: Top 48.3% in tier
+ Net Interest Margin 0.92% above tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 1.20% above tier average

Get updates when First New Mexico Bank of Silver City releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$147.5M +3.7% YoY +2.5% QoQ	-$239.1M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	Bottom 13.2% in tier
Total Loans ?	$73.1M -4.5% YoY -3.3% QoQ	-$185.3M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	Bottom 8.1% in tier
Total Deposits ?	$123.8M +2.7% YoY +2.7% QoQ	-$203.0M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	Bottom 13.2% in tier
Return on Assets ?	1.91% +25.2% YoY -2.1% QoQ	+0.59%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	4.90% -7.3% YoY -11.4% QoQ	+0.92%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	Top 9.7% in tier
Efficiency Ratio ?	65.68% +8.2% YoY +2.5% QoQ	+1.20%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	0.16% -6.9% YoY +65.4% QoQ	-0.75%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	59.06% -7.1% YoY -5.8% QoQ	-18.89%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	21.93% -2.4% YoY +8.6% QoQ	-0.10%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.08% -14.3% YoY +56.1% QoQ	-0.59%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	14.27% +10.7% YoY +0.9% QoQ	-1.64%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.36% +228.6% YoY +700.1% QoQ	-0.21%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	80%

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	21.9% -0.5pp YoY +1.7pp QoQ	-0.2pp	22.1%	34.1%	22.2%	54%
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	5.7% +0.7pp YoY +0.1pp QoQ	-5.8pp	11.6%	20.2%	12.5%	24%
CRE	78.9% -1.2pp YoY -1.2pp QoQ	+39.3pp	39.5%	50.8%	41.4%	97%
1-4 Family	17.1% +0.7pp YoY +1.0pp QoQ	-15.5pp	32.6%	20.2%	31.3%	24%
Consumer	0.4% +0.3pp YoY +0.1pp QoQ	-3.7pp	4.1%	3.8%	5.0%	14%

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	14.3% +1.4pp YoY +0.1pp QoQ	+2.1pp	12.2%	13.9%	12.6%	83%
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	35 +1 (+2.9%) YoY 0 QoQ	-24	58	75	482	35%
Assets per Employee ($)	$4.2M +0.8% YoY +2.5% QoQ	-$3.3M	$7.5M	$7.6M	$8.8M	6%
Branch Count	4 0 YoY 0 QoQ	-1	4	6	18	42%

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	0.2% 0.0pp YoY +0.1pp QoQ	-0.8pp	0.9%	1.1%	1.0%	26%
Allowance Coverage	12.29x +42.1% YoY -39.5% QoQ	-11.86x	24.15x	56.44x	20.23x	84%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	13.7% +1.5pp YoY -0.5pp QoQ	+1.5pp	12.2%	18.9%	11.6%	60%
Cost of Funds (YTD)	0.9% +0.2pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.0%	1.7%	7%
Net Income ($, YTD)	$1.4M +30.3% YoY — QoQ	-$1.2M	$2.6M	$5.6M	$40.4M	39%

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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)

Profitability Leader

growth

#239 of 661 • Top 36.0% in tier

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

Why this signature

Return on Assets: 1.91%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Revenue Diversifier

growth

#320 of 661 • Top 48.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.36%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.91%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

257

Net Interest Margin

profitability

Value: 4.90%

Peer Median: 3.99%

#257 of 2643 Top 9.7% in $100M-$1B

417

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.32%

#417 of 2643 Top 15.7% in $100M-$1B

426

Loan-to-Deposit Ratio

liquidity

Value: 59.06%

Peer Median: 77.95%

#426 of 2643 Top 16.1% in $100M-$1B

520

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.57%

#520 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (3 metrics)

2429

Total Loans

size

Value: $73.09M

Peer Median: $258.35M

#2429 of 2643 Bottom 8.1% in $100M-$1B

2295

Total Deposits

size

Value: $123.76M

Peer Median: $326.73M

#2295 of 2643 Bottom 13.2% in $100M-$1B

2294

Total Assets

size

Value: $147.47M

Peer Median: $386.57M

#2294 of 2643 Bottom 13.2% in $100M-$1B