Bank Comparison
Main Bank vs First New Mexico Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Main Bank | First New Mexico Bank |
|---|---|---|
| CET1 Ratio | 15.19% | — |
| Tier 1 Capital Ratio | 15.19% | — |
| Total Capital Ratio | 16.44% | — |
| Tier 1 Leverage Ratio | 11.41% | 14.51% |
| Equity / Assets | 11.22% | 14.47% |
Profitability
| Metric | Main Bank | First New Mexico Bank |
|---|---|---|
| Return on Assets (ROA) | 1.99% | 1.71% |
| Return on Equity (ROE) | 17.90% | 11.93% |
| Net Interest Margin (NIM) | 4.10% | 4.10% |
| Yield on Earning Assets | 5.80% | 5.17% |
| Cost of Funds | 1.90% | 1.20% |
Asset quality
| Metric | Main Bank | First New Mexico Bank |
|---|---|---|
| Texas Ratio | 0.00% | 9.14% |
| Non-Performing Loan Ratio | 0.00% | 0.20% |
| Non-Performing Asset Ratio | 0.00% | 0.91% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.64% | 2.18% |
Balance sheet
| Metric | Main Bank | First New Mexico Bank |
|---|---|---|
| Total Assets | $254,191K | $274,362K |
| Total Deposits | $221,099K | $230,578K |
| Total Loans | $186,615K | $125,672K |
| Total Equity | $28,518K | $39,708K |
| Net Income (quarter) | $1,269K | $1,176K |
Liquidity & funding
| Metric | Main Bank | First New Mexico Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.40% | 54.50% |
| Core Deposit Ratio | 90.79% | 95.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Main Bank | First New Mexico Bank |
|---|---|---|
| Headquarters City | ALBUQUERQUE | DEMING |
| Headquarters State | NM | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 22 | 32 |
| Established | Aug. 5, 1975, midnight | April 30, 1962, 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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