Bank Comparison
Bank19 vs First New Mexico Bank of Silver City
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 6
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Bank19 | First New Mexico Bank of Silver City |
|---|---|---|
| CET1 Ratio | 33.25% | — |
| Tier 1 Capital Ratio | 33.25% | — |
| Total Capital Ratio | 33.97% | — |
| Tier 1 Leverage Ratio | 15.33% | 14.27% |
| Equity / Assets | 17.41% | 14.28% |
Profitability
| Metric | Bank19 | First New Mexico Bank of Silver City |
|---|---|---|
| Return on Assets (ROA) | 1.81% | 1.86% |
| Return on Equity (ROE) | 10.60% | 13.25% |
| Net Interest Margin (NIM) | 4.79% | 4.41% |
| Yield on Earning Assets | 5.79% | 5.27% |
| Cost of Funds | 1.18% | 1.00% |
Asset quality
| Metric | Bank19 | First New Mexico Bank of Silver City |
|---|---|---|
| Texas Ratio | 0.00% | 0.53% |
| Non-Performing Loan Ratio | 0.00% | 0.16% |
| Non-Performing Asset Ratio | 0.00% | 0.08% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 0.63% | 1.98% |
Balance sheet
| Metric | Bank19 | First New Mexico Bank of Silver City |
|---|---|---|
| Total Assets | $147.8M | $147.5M |
| Total Deposits | $121.8M | $123.8M |
| Total Loans | $76.5M | $74.6M |
| Total Equity | $25.7M | $21.1M |
| Net Income (quarter) | $673K | $686K |
Liquidity & funding
| Metric | Bank19 | First New Mexico Bank of Silver City |
|---|---|---|
| Loan-to-Deposit Ratio | 62.83% | 60.25% |
| Core Deposit Ratio | 88.36% | 90.54% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank19 | First New Mexico Bank of Silver City |
|---|---|---|
| Headquarters City | Memphis | Silver City |
| Headquarters State | TX | NM |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 22 | 35 |
| Established | March 1, 1898 | January 4, 1984 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Bank19 profile | View full First New Mexico Bank of Silver City profile | Browse all bank comparisons