Bank Comparison
American Heritage Bank vs First New Mexico Bank, Las Cruces
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American Heritage Bank | First New Mexico Bank, Las Cruces |
|---|---|---|
| CET1 Ratio | 17.50% | — |
| Tier 1 Capital Ratio | 17.50% | — |
| Total Capital Ratio | 18.75% | — |
| Tier 1 Leverage Ratio | 10.96% | 13.05% |
| Equity / Assets | 9.54% | 12.52% |
Profitability
| Metric | American Heritage Bank | First New Mexico Bank, Las Cruces |
|---|---|---|
| Return on Assets (ROA) | 1.78% | 1.77% |
| Return on Equity (ROE) | 17.90% | 13.80% |
| Net Interest Margin (NIM) | 4.59% | 4.95% |
| Yield on Earning Assets | 5.52% | 5.89% |
| Cost of Funds | 1.00% | 1.04% |
Asset quality
| Metric | American Heritage Bank | First New Mexico Bank, Las Cruces |
|---|---|---|
| Texas Ratio | 1.10% | 9.68% |
| Non-Performing Loan Ratio | 0.23% | 2.46% |
| Non-Performing Asset Ratio | 0.11% | 1.32% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.70% | 2.03% |
Balance sheet
| Metric | American Heritage Bank | First New Mexico Bank, Las Cruces |
|---|---|---|
| Total Assets | $148,982K | $174,651K |
| Total Deposits | $133,594K | $149,045K |
| Total Loans | $75,138K | $93,279K |
| Total Equity | $14,213K | $21,867K |
| Net Income (quarter) | $670 | $751 |
Liquidity & funding
| Metric | American Heritage Bank | First New Mexico Bank, Las Cruces |
|---|---|---|
| Loan-to-Deposit Ratio | 56.24% | 62.58% |
| Core Deposit Ratio | 90.16% | 87.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Heritage Bank | First New Mexico Bank, Las Cruces |
|---|---|---|
| Headquarters City | CLOVIS | LAS CRUCES |
| Headquarters State | NM | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 20 | 33 |
| Established | Dec. 5, 2000, midnight | Jan. 14, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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