FIRST NEW MEXICO BANK OF SILVER CITY

SILVER CITY, NM | Small | Est. Jan. 4, 1984, midnight | FDIC #24865 | RSSD #495558 | FDIC
Latest Report: 2025-12-31

FIRST NEW MEXICO BANK OF SILVER CITY is asn small FDIC-insured commercial bank headquartered in SILVER CITY, NM, established in Jan. 4, 1984, midnight. As of 2025-12-31, the bank reported total assets of $147M and total deposits of $125M. Profitability stands at 2.20% ROA and 16.67% ROE, with a net interest margin of 5.55%. The bank's CET1 capital ratio is 13.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.35%. FDIC Certificate #24865.

Assets

$147M

Deposits

$125M

Loans

$83M

Equity

$20M

Profitability

Return on Assets (ROA) 2.20%
Return on Equity (ROE) 16.67%
Net Interest Margin (NIM) 5.55%
Yield on Assets 6.40%
Cost of Funds 0.92%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.06%
Texas Ratio 0.35%
NPA Ratio 0.05%
ACL / Loans 1.82%

Capital & Liquidity

CET1 Ratio 13.32%
Tier 1 Capital 13.32%
Total Capital Ratio 13.98%
Leverage Ratio 13.63%
Loan-to-Deposit 66.77%

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