First New Mexico Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.99 percentage points higher than in Q1 2026, at 23.49%. First New Mexico Bank ranks 20th of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 53.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First New Mexico Bank sits 27.24 points lower, at 53.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $123.7M |
| Net loans and leases | $121.0M |
| Loans held for sale | $0 |
| Loans to total assets | 44.97% |
| Loan-to-deposit ratio | 53.60% |
| Net loans to equity capital | 3.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.93% |
| Multifamily (5+ residential) | 0.71% |
| Commercial and industrial | 12.55% |
| Consumer | 2.14% |
| Credit cards | 0.00% |
| Farm | 10.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.80% |
| Construction concentration (Tier 1 capital + allowance) | 23.49% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.10% |
| Interest income on loans | $2.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $111.1M | $217.8M | 13.04% | 49.53% | 3.42% |
| Q4 2023 | $111.3M | $228.2M | 11.42% | 50.45% | 3.42% |
| Q1 2024 | $111.0M | $222.2M | 11.35% | 51.38% | 2.98% |
| Q2 2024 | $111.2M | $224.2M | 11.35% | 51.48% | 2.85% |
| Q3 2024 | $126.2M | $222.6M | 9.87% | 57.18% | 2.44% |
| Q4 2024 | $125.9M | $225.8M | 10.73% | 55.78% | 2.39% |
| Q1 2025 | $126.8M | $225.7M | 54.93% | 12.47% | 2.15% |
| Q2 2025 | $125.7M | $216.1M | 54.67% | 12.99% | 2.02% |
| Q3 2025 | $122.1M | $221.2M | 54.31% | 10.78% | 1.74% |
| Q4 2025 | $124.4M | $232.8M | 54.23% | 13.07% | 2.39% |
| Q1 2026 | $125.7M | $230.6M | 49.57% | 13.31% | 2.10% |
| Q2 2026 | $123.7M | $230.9M | 49.93% | 12.55% | 2.14% |
First New Mexico Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First New Mexico Bank, freeSource: Call Report Schedule RC-C, 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 New Mexico Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18514) · FFIEC NIC profile (RSSD 712956)