Bank Comparison
First New Mexico Bank of Silver City vs American Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 3
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First New Mexico Bank of Silver City | American Heritage Bank |
|---|---|---|
| CET1 Ratio | — | 17.50% |
| Tier 1 Capital Ratio | — | 17.50% |
| Total Capital Ratio | — | 18.75% |
| Tier 1 Leverage Ratio | 14.14% | 10.96% |
| Equity / Assets | 14.15% | 9.54% |
Profitability
| Metric | First New Mexico Bank of Silver City | American Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 1.95% | 1.78% |
| Return on Equity (ROE) | 14.20% | 17.90% |
| Net Interest Margin (NIM) | 5.68% | 4.59% |
| Yield on Earning Assets | 6.54% | 5.52% |
| Cost of Funds | 0.98% | 1.00% |
Asset quality
| Metric | First New Mexico Bank of Silver City | American Heritage Bank |
|---|---|---|
| Texas Ratio | 0.34% | 1.10% |
| Non-Performing Loan Ratio | 0.10% | 0.23% |
| Non-Performing Asset Ratio | 0.05% | 0.11% |
| Net Charge-Off Ratio | -0.04% | -0.01% |
| ACL / Loans | 1.98% | 1.70% |
Balance sheet
| Metric | First New Mexico Bank of Silver City | American Heritage Bank |
|---|---|---|
| Total Assets | $143,839K | $148,982K |
| Total Deposits | $120,559K | $133,594K |
| Total Loans | $77,079K | $75,138K |
| Total Equity | $20,358K | $14,213K |
| Net Income (quarter) | $710 | $670 |
Liquidity & funding
| Metric | First New Mexico Bank of Silver City | American Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 63.93% | 56.24% |
| Core Deposit Ratio | 90.48% | 90.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First New Mexico Bank of Silver City | American Heritage Bank |
|---|---|---|
| Headquarters City | SILVER CITY | CLOVIS |
| Headquarters State | NM | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 35 | 20 |
| Established | Jan. 4, 1984, midnight | Dec. 5, 2000, 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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