First New Mexico Bank of Silver City
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Data as of · sourced from FFIEC call reports. How we update
First New Mexico Bank of Silver City is an FDIC-insured commercial bank headquartered in Silver City, NM, established in 1984 (FDIC certificate 24865), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $147.5M, up 3.7% from Q2 2025, the 27th largest of 29 banks headquartered in New Mexico. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 24865
- Headquarters
- Silver City, NM
- Established
- 1984
- Total assets, Q2 2026
- $147.5M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 14.27%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 112205340
- Latest call report
- Q2 2026, FFIEC 051 · First New Mexico Bank of Silver City call report
- Holding company
- FIRST NEW MEXICO FINANCIAL CORPORATION
- Asset rank in state
- 27th of 29 in New Mexico
First New Mexico Bank of Silver City, based in Silver City, New Mexico, reported $147 million in assets at June 30, 2026, up 3.7% from a year earlier. It pays an average of 1.00% on its deposits and borrowings, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also shrank its loan book 4.1% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter rose 26% from a year earlier, to $686,000. Over the same year, loans shrank 4.1% and deposits grew 2.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, First New Mexico Bank of Silver City reported a return on assets of 1.86%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 0.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First New Mexico Bank of Silver City is the 27th largest of the 29 banks headquartered in New Mexico. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $147.5M, loans fell 3.3% and deposits rose 2.7%. Its loan book on June 30, 2026 was led by construction and land development loans, at 34.4% of total loans, followed by non-owner-occupied commercial real estate loans at 20.5%. Its 3 offices in the FDIC Summary of Deposits are in Silver City, NM and Los Lunas, NM; its Silver City 2 offices book 93% of its branch deposits. Judged on its Q2 2026 call report, First New Mexico Bank of Silver City meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1928 Highway 180 E, Silver City, NM 88061
- County
- Grant
- Metro Area
- Silver City, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 4, 1984
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $123.8M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $147.6M
- Average total loans
- $75.7M
- Average interest-bearing deposits
- $96.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 4, 1984
- FDIC Cert
- 24865
- Fed RSSD
- 495558
- Website
- fnmbsc.com →
- Parent Holding Company
- FIRST NEW MEXICO FINANCIAL CORPORATION (RSSD 1107830)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First New Mexico Bank of Silver City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First New Mexico Bank of Silver City's total assets ranged from $135.0M (Q2 2024) to $147.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$147.5M total assets against $142.2M; $126.4M total liabilities against $124.1M.
$73.1M net loans and leases against $76.6M; $123.8M total deposits against $120.5M.
$49.0M securities against $42.3M; $18.8M cash and balances due against $17.1M.
$1.8M total interest income against $2.1M; $305K total interest expense against $236K.
$1.5M net interest income against $1.8M.
$461K total noninterest income against $80K; $1.3M total noninterest expense against $1.1M.
-$50K provision for credit losses against $30K.
$686K net income against $543K.
1.86% return on assets against 1.55%; 4.41% net interest margin against 5.61%.
14.27% tier 1 leverage ratio against 12.89%.
Inside the full First New Mexico Bank of Silver City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First New Mexico Bank of Silver City rankings
Its closest position to the top of a national ranking is 655 of 3,611, for ROA; its furthest is 2,937 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.54% (Q1 2025) to 2.20% (Q4 2025) and its net interest margin ran from 4.41% (Q2 2026) to 5.71% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.27% | 1.86% | 0.16% | 0.53% | 4.41% |
| Q1 2026 | 14.14% | 1.95% | 0.10% | 0.34% | 5.68% |
| Q4 2025 | 13.63% | 2.20% | 0.09% | 0.35% | 5.54% |
| Q3 2025 | 13.54% | 2.07% | 0.17% | 0.67% | 5.71% |
| Q2 2025 | 12.89% | 1.55% | 0.17% | 0.70% | 5.61% |
| Q1 2025 | 12.76% | 1.54% | 0.18% | 0.73% | 5.28% |
| Q4 2024 | 12.18% | 1.65% | 0.37% | 1.42% | 5.09% |
| Q3 2024 | 12.30% | 1.58% | 0.20% | 0.77% | 4.81% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First New Mexico Bank of Silver City (main office) | Silver City , NM | 88061 | $106.9M |
| First New Mexico Bank of Silver City (main office) | Silver City , NM | 88061 | $8.7M |
| Los Lunas Branch | Los Lunas , NM | 87031 | $8.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NM, rank 47 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $482K approved, $241K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First New Mexico Bank of Silver City
What are First New Mexico Bank of Silver City's total assets?
As of the Q2 2026 filing, First New Mexico Bank of Silver City reported total assets of $147.5 million in its FFIEC call report.
Where is First New Mexico Bank of Silver City headquartered?
It is headquartered in Silver City, NM, United States.
When was First New Mexico Bank of Silver City founded?
It was established in 1984, per the FDIC institution directory.
Is First New Mexico Bank of Silver City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24865). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First New Mexico Bank of Silver City?
First New Mexico Bank of Silver City's primary federal regulator is the FDIC.
How many branches does First New Mexico Bank of Silver City operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First New Mexico Bank of Silver City's Texas Ratio?
Its Texas Ratio is 0.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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