FIRST NATIONAL BANK

ALAMOGORDO, NM | Small | Est. Aug. 23, 1956, midnight | FDIC #17643 | RSSD #823450 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in ALAMOGORDO, NM, established in Aug. 23, 1956, midnight. As of 2025-12-31, the bank reported total assets of $470M and total deposits of $442M. Profitability stands at 1.52% ROA and 27.87% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 5.58%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 2.38% and a Texas Ratio of 17.67%. FDIC Certificate #17643.

Assets

$470M

Deposits

$442M

Loans

$222M

Equity

$26M

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 27.87%
Net Interest Margin (NIM) 4.05%
Yield on Assets 4.98%
Cost of Funds 0.92%

Asset Quality

NPL Ratio 2.38%
Net Charge-Off Ratio 0.15%
Texas Ratio 17.67%
NPA Ratio 1.12%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 5.58%
Tier 1 Capital 5.58%
Total Capital Ratio 5.86%
Leverage Ratio 10.26%
Loan-to-Deposit 50.11%

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