BlastPoint's Banking Scorecard
First New Mexico Bank, Las Cruces
Las Cruces, NM
3 branches across NM
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 17.7% in tier
- + ROA 0.50% above tier average
- + Efficiency Ratio 5.28% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.63% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.7M
+10.1% YoY
+6.0% QoQ
|
-$211.4M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$91.4M
+5.3% YoY
-3.0% QoQ
|
-$164.3M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$149.0M
+11.6% YoY
+7.4% QoQ
|
-$178.9M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.77%
+9.2% YoY
-5.9% QoQ
|
+0.50% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
4.92%
-7.7% YoY
-9.6% QoQ
|
+0.99% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
Top 8.5% in tier |
| Efficiency Ratio ? |
60.01%
+1.8% YoY
+3.7% QoQ
|
-5.28% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
2.52%
+2.8% QoQ
|
+1.63% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.1% in tier |
| Loan-to-Deposit Ratio ? |
61.32%
-5.6% YoY
-9.7% QoQ
|
-15.32% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
43.33%
+5.6% YoY
-0.7% QoQ
|
+21.31% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 3.3% in tier |
| Nonperforming Asset Ratio ? |
1.32%
-5.9% QoQ
|
+0.68% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.9% in tier |
| Tier 1 Capital Ratio ? |
13.05%
-3.1% YoY
-3.9% QoQ
|
-2.78% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.07%
-17.7% YoY
-80.0% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
33% |
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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.