First New Mexico Bank, Las Cruces: 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.
Loan-to-deposit ratio climbed 5.67 percentage points in Q2 2026, from 62.58% to 68.26%. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, First New Mexico Bank, Las Cruces is 15th of 29 on return on assets, 1.89% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First New Mexico Bank, Las Cruces reported 1.89% on return on assets in Q2 2026, 0.63 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.05% |
| Equity capital to assets | 12.90% |
| Tangible equity to tangible assets | 12.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.31% |
| Non-performing assets ratio | 1.34% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 9.55% |
| Allowance for credit losses to loans | 1.94% |
| Reserve coverage of non-performing loans | 84.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.89% |
| Return on equity | 14.69% |
| Net interest margin | 5.20% |
| Efficiency ratio | 54.92% |
| Yield on earning assets | 6.19% |
| Cost of funds | 1.08% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.26% |
| Core deposits to total deposits | 87.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.99% |
| Securities to assets | 21.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.70% | 1.42% | 5.33% | 0.00% | -0.01% |
| Q4 2023 | 12.68% | 1.68% | 5.51% | 0.00% | -0.01% |
| Q1 2024 | 12.69% | 1.51% | 5.34% | 0.00% | 0.00% |
| Q2 2024 | 12.81% | 1.58% | 5.44% | 0.00% | -0.02% |
| Q3 2024 | 12.97% | 1.61% | 5.55% | 0.00% | 0.00% |
| Q4 2024 | 13.56% | 1.82% | 5.59% | 0.00% | 0.00% |
| Q1 2025 | 13.47% | 1.62% | 5.36% | 0.00% | -0.00% |
| Q2 2025 | 13.44% | 1.73% | 5.63% | 0.00% | -0.00% |
| Q3 2025 | 13.45% | 1.82% | 5.55% | 0.00% | -0.00% |
| Q4 2025 | 13.58% | 2.37% | 5.39% | 2.40% | -0.00% |
| Q1 2026 | 13.05% | 1.77% | 4.95% | 2.46% | -0.00% |
| Q2 2026 | 13.05% | 1.89% | 5.20% | 2.31% | -0.00% |
First New Mexico Bank, Las Cruces vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First New Mexico Bank, Las Cruces, 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 New Mexico Bank, Las Cruces profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58745) · FFIEC NIC profile (RSSD 3623969)