First New Mexico Bank of Silver City: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 4.11 percentage points lower than in Q1 2026, at 66.55%. Within New Mexico, First New Mexico Bank of Silver City is 15th of 29 on loan-to-deposit ratio, 60.25% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First New Mexico Bank of Silver City sits 20.59 points lower, at 60.25% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $67.9M |
| Fed funds sold and reverse repos | $16.0M |
| Fed funds sold and reverse repos to assets | 10.85% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.25% |
| Net loans and leases to deposits | 59.06% |
| Loans and leases to core deposits | 66.55% |
| Core deposits to total deposits | 90.54% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 49.19% | 99.56% | $0 | $0 |
| Q4 2023 | 53.58% | 98.87% | $0 | $0 |
| Q1 2024 | 57.88% | 97.57% | $0 | $0 |
| Q2 2024 | 59.39% | 97.52% | $0 | $0 |
| Q3 2024 | 57.46% | 96.66% | $0 | $0 |
| Q4 2024 | 57.67% | 97.41% | $0 | $0 |
| Q1 2025 | 65.54% | 96.90% | $0 | $0 |
| Q2 2025 | 64.54% | 92.33% | $0 | $0 |
| Q3 2025 | 67.03% | 92.46% | $0 | $0 |
| Q4 2025 | 66.77% | 91.86% | $0 | $0 |
| Q1 2026 | 63.93% | 90.48% | $0 | $0 |
| Q2 2026 | 60.25% | 90.54% | $0 | $0 |
First New Mexico Bank of Silver City liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First New Mexico Bank of Silver City, freeSource: Call Report Schedules RC and RC-M, 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 of Silver City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24865) · FFIEC NIC profile (RSSD 495558)