BlastPoint's Banking Scorecard
First New Mexico Bank, Las Cruces
Las Cruces, NM
3 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 +7.5% year over year ($146.1M on the books).
- Delinquency rate 2.35%.
- Return on assets 1.83%.
- Efficiency ratio 58.03% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.93% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First New Mexico Bank, Las Cruces has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 12.2% in tier
- + ROA 0.51% above tier average
- + Efficiency Ratio 6.44% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$171.9M
+6.6% YoY
-1.6% QoQ
|
-$214.6M |
$386.6M
+1.2% YoY
|
$566.9M
+3.2% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$97.8M
+5.2% YoY
+7.0% QoQ
|
-$160.5M |
$258.3M
+1.7% YoY
|
$317.6M
+7.5% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$146.1M
+7.5% YoY
-2.0% QoQ
|
-$180.6M |
$326.7M
+0.7% YoY
|
$493.4M
+2.0% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.83%
+9.6% YoY
+3.4% QoQ
|
+0.51% |
1.32%
+10.8% YoY
|
1.89%
+4.0% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
5.03%
-7.8% YoY
+2.2% QoQ
|
+1.05% |
3.99%
+5.0% YoY
|
4.43%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 7.6% in tier |
| Efficiency Ratio ? |
58.03%
-0.5% YoY
-3.3% QoQ
|
-6.44% |
64.48%
-3.2% YoY
|
57.29%
+2.1% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
2.35%
-6.4% QoQ
|
+1.44% |
0.92%
+15.7% YoY
|
1.04%
-16.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.8% in tier |
| Loan-to-Deposit Ratio ? |
66.93%
-2.1% YoY
+9.2% QoQ
|
-11.02% |
77.95%
+1.0% YoY
|
57.68%
+1.9% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
42.85%
+1.6% YoY
-1.1% QoQ
|
+20.82% |
22.03%
-0.6% YoY
|
32.88%
-1.5% YoY
|
21.98%
-0.6% YoY
|
Top 3.4% in tier |
| Nonperforming Asset Ratio ? |
1.34%
+1.8% QoQ
|
+0.67% |
0.67%
+16.4% YoY
|
0.60%
-19.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.4% in tier |
| Tier 1 Capital Ratio ? |
13.05%
-2.9% YoY
-0.0% QoQ
|
-2.86% |
15.91%
+1.4% YoY
|
21.71%
-4.2% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.16%
-3.7% YoY
+120.9% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.46%
-9.7% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
42.8%
+0.7pp YoY -0.5pp QoQ |
+20.7pp | 22.1% | 34.1% | 22.2% | 96% |
| 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 |
3.8%
-2.7pp YoY -0.1pp QoQ |
-7.8pp | 11.6% | 20.2% | 12.5% | 13% |
| CRE |
78.4%
+6.9pp YoY +2.0pp QoQ |
+38.8pp | 39.5% | 50.8% | 41.4% | 97% |
| 1-4 Family |
17.6%
-3.5pp YoY -1.5pp QoQ |
-15.1pp | 32.6% | 20.2% | 31.3% | 25% |
| Consumer |
2.0%
-0.6pp YoY -0.3pp QoQ |
-2.1pp | 4.1% | 3.8% | 5.0% | 47% |
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 |
13.1%
-0.4pp YoY 0.0pp QoQ |
+0.9pp | 12.2% | 13.9% | 12.6% | 76% |
| 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 |
31
-3 (-8.8%) YoY -2 (-6.1%) QoQ |
-28 | 58 | 75 | 482 | 28% |
| Assets per Employee ($) |
$5.5M
+16.9% YoY +4.8% QoQ |
-$2.0M | $7.5M | $7.6M | $8.8M | 24% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
2.4%
-0.2pp QoQ |
+1.4pp | 0.9% | 1.1% | 1.0% | 90% |
| Allowance Coverage |
0.84x
+2.3% QoQ |
-23.31x | 24.15x | 56.44x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+1.5pp YoY +0.4pp QoQ |
+2.0pp | 12.2% | 18.9% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.0% | 1.7% | 10% |
| Net Income ($, YTD) |
$1.6M
+18.5% YoY — QoQ |
-$995K | $2.6M | $5.6M | $40.4M | 43% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.