First New Mexico Bank of Silver City: 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): 21.61 percentage points lower than in Q1 2026, at 113.79%. 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. First New Mexico Bank of Silver City reported 60.25% on loan-to-deposit ratio for Q2 2026, 20.59 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $74.6M |
| Net loans and leases | $73.1M |
| Loans held for sale | $0 |
| Loans to total assets | 50.57% |
| Loan-to-deposit ratio | 60.25% |
| Net loans to equity capital | 3.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.99% |
| Multifamily (5+ residential) | 16.89% |
| Commercial and industrial | 5.60% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 256.21% |
| Construction concentration (Tier 1 capital + allowance) | 113.79% |
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 | 6.91% |
| Interest income on loans | $1.3M |
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 | $57.5M | $116.8M | 37.97% | 3.91% | 0.50% |
| Q4 2023 | $62.2M | $116.1M | 34.34% | 3.48% | 0.40% |
| Q1 2024 | $67.3M | $116.3M | 31.37% | 3.11% | 0.33% |
| Q2 2024 | $68.2M | $114.8M | 30.99% | 2.86% | 0.31% |
| Q3 2024 | $66.7M | $116.0M | 31.85% | 2.85% | 0.28% |
| Q4 2024 | $69.7M | $120.9M | 30.17% | 4.16% | 0.26% |
| Q1 2025 | $76.2M | $116.2M | 29.83% | 5.02% | 0.27% |
| Q2 2025 | $77.7M | $120.5M | 28.78% | 4.89% | 0.17% |
| Q3 2025 | $80.9M | $120.7M | 27.42% | 5.35% | 0.31% |
| Q4 2025 | $83.1M | $124.5M | 29.98% | 5.22% | 0.30% |
| Q1 2026 | $77.1M | $120.6M | 29.15% | 5.52% | 0.30% |
| Q2 2026 | $74.6M | $123.8M | 25.99% | 5.60% | 0.43% |
First New Mexico Bank of Silver City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First New Mexico Bank of Silver City, 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 of Silver City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24865) · FFIEC NIC profile (RSSD 495558)