First American Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.36 percentage points lower than in Q1 2026, at 362.43%. First American Bank ranks 5th of 29 New Mexico banks on return on assets, in the upper half at 2.76% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, First American Bank reported 2.76% on return on assets in Q2 2026, 1.49 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.94% |
| Tier 1 risk-based capital ratio | 17.94% |
| Total risk-based capital ratio | 19.19% |
| Tier 1 leverage ratio | 11.79% |
| Equity capital to assets | 9.98% |
| Tangible equity to tangible assets | 9.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.26% |
| Allowance for credit losses to loans | 1.91% |
| Reserve coverage of non-performing loans | 362.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.76% |
| Return on equity | 28.15% |
| Net interest margin | 4.82% |
| Efficiency ratio | 41.60% |
| Yield on earning assets | 5.58% |
| Cost of funds | 0.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.67% |
| Core deposits to total deposits | 92.18% |
| Brokered deposits to total deposits | 3.67% |
| Deposits to assets | 85.29% |
| Securities to assets | 29.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.19% | 16.19% | 17.44% | 9.98% | 2.36% |
| Q4 2023 | 16.73% | 16.73% | 17.98% | 10.57% | 2.09% |
| Q1 2024 | 16.16% | 16.16% | 17.41% | 10.18% | 2.28% |
| Q2 2024 | 16.94% | 16.94% | 18.20% | 10.75% | 2.42% |
| Q3 2024 | 16.29% | 16.29% | 17.55% | 10.49% | 2.51% |
| Q4 2024 | 17.10% | 17.10% | 18.35% | 10.97% | 2.27% |
| Q1 2025 | 16.19% | 16.19% | 17.45% | 10.31% | 2.49% |
| Q2 2025 | 16.75% | 16.75% | 18.00% | 10.52% | 2.47% |
| Q3 2025 | 17.83% | 17.83% | 19.08% | 11.44% | 2.79% |
| Q4 2025 | 19.45% | 19.45% | 20.71% | 12.06% | 2.79% |
| Q1 2026 | 17.83% | 17.83% | 19.08% | 11.66% | 2.88% |
| Q2 2026 | 17.94% | 17.94% | 19.19% | 11.79% | 2.76% |
First American Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2240) · FFIEC NIC profile (RSSD 771458)