First New Mexico Bank, Las Cruces: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 13.05% +4.05 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $22.4M | 22,394 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $171.6M | 171,582 | RCOAA224 |
| Recomputed ratio | 13.05% | numerator / denominator | |
| Filed ratio | 13.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +4.05 pp | $7.0M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 7,000 | 7,000 | 7,000 | 7,000 | 7,000 | 7,000 | RCOAP742 |
| Retained earnings | 15,394 | 15,097 | 14,918 | 14,655 | 14,230 | 13,971 | RCOAKW00 |
| Accumulated other comprehensive income | (215) | (230) | (245) | (260) | (275) | (290) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 22,179 | 21,867 | 21,673 | 21,395 | 20,955 | 20,681 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 215 | 230 | 245 | 260 | 275 | 290 | P859 - P840 |
| Common equity Tier 1 capital | 22,394 | 22,097 | 21,918 | 21,655 | 21,230 | 20,971 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 22,394 | 22,097 | 21,918 | 21,655 | 21,230 | 20,971 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 171,582 | 169,282 | 161,435 | 161,064 | 157,991 | 155,676 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 13.05% | 15.12% | 15.13% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 13.05% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 13.58% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 13.45% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 13.44% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 13.47% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 13.56% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.97% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 12.81% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 12.69% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 12.68% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.70% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| First New Mexico Bank, Las Cruces (this bank) | CBLR | NA | NA | NA | 13.05% | |
| Bank of Estes Park | $171.9M | CBLR | NA | NA | NA | 10.84% |
| Illini State Bank | $171.9M | CBLR | NA | NA | NA | 14.42% |
| The Peoples National Bank of Checotah | $171.8M | Risk-based | 43.68% | 43.68% | 44.94% | 16.05% |
| Atkins Savings Bank & Trust | $172.2M | CBLR | NA | NA | NA | 11.91% |
| Farmers National Bank | $172.5M | Risk-based | 36.53% | 36.53% | 37.78% | 19.63% |
| Sharon Bank | $172.6M | CBLR | NA | NA | NA | 9.38% |
| Citizens Bank and Trust of Lebanon, Inc. | $173.0M | CBLR | NA | NA | NA | 11.33% |
| First National Bank of Hartford | $173.0M | CBLR | NA | NA | NA | 12.88% |
| Utah Independent Bank | $170.9M | CBLR | NA | NA | NA | 16.31% |
| Peer 25th percentile | 38.32% | 38.32% | 39.57% | 11.33% | ||
| Peer median | 40.10% | 40.10% | 41.36% | 12.88% | ||
| Peer 75th percentile | 41.89% | 41.89% | 43.15% | 16.05% | ||
| This bank's percentile | NA | NA | NA | 56 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3623969/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.