BlastPoint's Banking Scorecard

Four Corners Community Bank

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

Farmington, NM

6 branches across NM · CO

2664 banks in the $100M-$1B peer group nationally 22 in NM

Four Corners Community Bank shows strong momentum with 4 strengths and 12.7% 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 7.5% in tier
+ Net Interest Margin 0.22% above tier average
+ Efficiency Ratio 16.85% below tier average
+ Delinquency Rate 0.49% 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-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$632.3M +12.7% YoY +0.3% QoQ	+$246.2M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$416.0M +17.9% YoY -0.2% QoQ	+$160.3M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$544.8M +10.9% YoY -0.2% QoQ	+$216.8M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	2.31% +196.7% YoY +41.9% QoQ	+1.04%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 7.0% in tier
Net Interest Margin ?	4.15% +2.1% YoY -1.3% QoQ	+0.22%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	48.43% -10.8% YoY -3.5% QoQ	-16.85%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	Top 13.1% in tier
Delinquency Rate ?	0.39% -87.3% YoY -83.3% QoQ	-0.49%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	76.37% +6.3% YoY -0.1% QoQ	-0.27%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	54%
Non-Interest-Bearing Deposit Share ?	28.67% -12.2% YoY -0.2% QoQ	+6.65%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.26% -89.3% YoY -83.4% QoQ	-0.38%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	9.80% -7.1% YoY +1.0% QoQ	-6.03%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	Bottom 7.3% in tier
Non-Interest Income / Assets ?	0.11% +60.9% YoY -77.7% QoQ	-0.17%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	59%

Get Full Access to Four Corners Community Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#51 of 666 • Top 7.5% in tier

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

Why this signature

Return on Assets: 2.31%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

187

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.27%

#187 of 2664 Top 7.0% in $100M-$1B

349

Efficiency Ratio

profitability

Value: 48.43%

Peer Median: 65.29%

#349 of 2664 Top 13.1% in $100M-$1B

446

Total Deposits

size

Value: $544.75M

Peer Median: $327.97M

#446 of 2664 Top 16.7% in $100M-$1B

457

Total Assets

size

Value: $632.32M

Peer Median: $386.08M

#457 of 2664 Top 17.1% in $100M-$1B

502

Total Loans

size

Value: $416.01M

Peer Median: $255.72M

#502 of 2664 Top 18.8% in $100M-$1B

572

Non-Interest-Bearing Deposit Share

funding

Value: 28.67%

Peer Median: 22.02%

#572 of 2664 Top 21.4% in $100M-$1B

Top Weaknesses (1 metrics)

2471

Tier 1 Capital Ratio

capital

Value: 9.80%

Peer Median: 15.83%

#2471 of 2664 Bottom 7.3% in $100M-$1B