BlastPoint's Banking Scorecard

Four Corners Community Bank

$100M-$1B Specialty: Commercial NM FDIC cert 35441

Farmington, NM

6 branches across NM · CO

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 +14.2% year over year ($569.1M on the books).
Delinquency rate 0.36%.
Return on assets 2.06%.
Efficiency ratio 52.30% vs a 64.48% peer average.
Loan-to-deposit ratio 77.82% 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) →

Four Corners Community Bank shows strong momentum with 4 strengths and 15.9% YoY asset growth

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 33.4% in tier
+ Net Interest Margin 0.24% above tier average
+ Efficiency Ratio 12.18% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Four Corners Community 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 ?	$662.3M +15.9% YoY +4.7% QoQ	+$275.7M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	Top 14.5% in tier
Total Loans ?	$442.9M +23.0% YoY +6.5% QoQ	+$184.6M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$569.1M +14.2% YoY +4.5% QoQ	+$242.4M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	Top 14.6% in tier
Return on Assets ?	2.06% +19.0% YoY -11.1% QoQ	+0.73%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	Top 12.0% in tier
Net Interest Margin ?	4.23% +2.4% YoY +1.9% QoQ	+0.24%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	67%
Efficiency Ratio ?	52.30% +2.6% YoY +8.0% QoQ	-12.18%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.36% -87.6% YoY -9.9% QoQ	-0.56%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	77.82% +7.7% YoY +1.9% QoQ	-0.13%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	54%
Non-Interest-Bearing Deposit Share ?	28.60% -7.3% YoY -0.3% QoQ	+6.57%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.24% -89.5% YoY -8.4% QoQ	-0.43%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	9.62% -8.2% YoY -1.9% QoQ	-6.29%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	Bottom 6.2% in tier
Non-Interest Income / Assets ?	0.22% -44.0% YoY +94.7% QoQ	-0.35%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	56%

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	28.6% -2.2pp YoY -0.1pp QoQ	+6.4pp	22.1%	34.1%	22.2%	78%
Brokered Deposits	4.3% +0.6pp YoY +0.2pp QoQ	-3.5pp	7.9%	5.2%	8.5%	47%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	19.6% +2.0pp YoY -0.6pp QoQ	+8.1pp	11.6%	20.2%	12.5%	87%
CRE	57.4% +1.5pp YoY +1.8pp QoQ	+17.8pp	39.5%	50.8%	41.4%	81%
1-4 Family	7.5% -0.4pp YoY +0.2pp QoQ	-25.1pp	32.6%	20.2%	31.3%	8%
Consumer	11.3% -2.3pp YoY -1.2pp QoQ	+7.2pp	4.1%	3.8%	5.0%	94%

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	9.6% -0.9pp YoY -0.2pp QoQ	-2.6pp	12.2%	13.9%	12.6%	24%
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	87 +1 (+1.2%) YoY +1 (+1.2%) QoQ	+28	58	75	482	81%
Assets per Employee ($)	$7.6M +14.6% YoY +3.5% QoQ	+$94K	$7.5M	$7.6M	$8.8M	63%
Branch Count	6 0 YoY 0 QoQ	+1	4	6	18	66%

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	0.4% -2.5pp YoY 0.0pp QoQ	-0.6pp	0.9%	1.1%	1.0%	43%
Allowance Coverage	4.67x +585.5% YoY +5.9% QoQ	-19.48x	24.15x	56.44x	20.23x	69%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	84%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	23.3% +3.9pp YoY -2.6pp QoQ	+11.1pp	12.2%	18.9%	11.6%	94%
Cost of Funds (YTD)	1.8% +0.1pp YoY 0.0pp QoQ	0.0pp	1.7%	1.0%	1.7%	54%
Net Income ($, YTD)	$6.6M +36.9% YoY — QoQ	+$4.0M	$2.6M	$5.6M	$40.4M	94%

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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 (1)

Profitability Leader

growth

#222 of 661 • Top 33.4% in tier

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

Why this signature

Return on Assets: 2.06%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

318

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.32%

#318 of 2643 Top 12.0% in $100M-$1B

385

Total Assets

size

Value: $662.30M

Peer Median: $386.57M

#385 of 2643 Top 14.5% in $100M-$1B

386

Total Deposits

size

Value: $569.13M

Peer Median: $326.73M

#386 of 2643 Top 14.6% in $100M-$1B

443

Total Loans

size

Value: $442.90M

Peer Median: $258.35M

#443 of 2643 Top 16.7% in $100M-$1B

565

Efficiency Ratio

profitability

Value: 52.30%

Peer Median: 64.48%

#565 of 2643 Top 21.3% in $100M-$1B

588

Non-Interest-Bearing Deposit Share

funding

Value: 28.60%

Peer Median: 22.03%

#588 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (1 metrics)

2481

Tier 1 Capital Ratio

capital

Value: 9.62%

Peer Median: 15.91%

#2481 of 2643 Bottom 6.2% in $100M-$1B