BlastPoint's Banking Scorecard
First New Mexico Bank of Silver City
Silver City, NM
4 branches across NM
First New Mexico Bank of Silver City has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 35.1% in tier
- + Net Interest Margin 1.61% above tier average
- + Efficiency Ratio 1.20% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 38.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.8M
+4.7% YoY
-2.4% QoQ
|
-$242.2M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.5% in tier |
| Total Loans ? |
$75.6M
+0.7% YoY
-7.4% QoQ
|
-$180.2M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.3% in tier |
| Total Deposits ? |
$120.6M
+3.7% YoY
-3.2% QoQ
|
-$207.4M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.0% in tier |
| Return on Assets ? |
1.95%
+28.9% YoY
+6.8% QoQ
|
+0.68% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 13.5% in tier |
| Net Interest Margin ? |
5.54%
+8.9% YoY
+3.0% QoQ
|
+1.61% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
Top 2.7% in tier |
| Efficiency Ratio ? |
64.09%
+3.6% YoY
+13.8% QoQ
|
-1.20% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
0.10%
-45.2% YoY
+9.5% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
62.67%
-2.9% YoY
-4.4% QoQ
|
-13.97% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
20.20%
-17.4% YoY
-8.9% QoQ
|
-1.82% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.05%
-47.3% YoY
+3.9% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
14.14%
+10.9% YoY
+3.8% QoQ
|
-1.69% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.04%
-17.4% YoY
-81.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
17% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.