First New Mexico Bank of Silver City: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First New Mexico Bank of Silver City of Silver City, NM against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.86% | 1.35% | +0.51% | 81st top |
| ROAE | 13.25% | 12.05% | +1.20% | 55th above |
| Net Interest Margin | 4.41% | 3.90% | +0.51% | 75th top |
| Efficiency Ratio | 65.01% | 63.15% | +1.86% | 39th below |
| PPNR / Avg Assets | 1.72% | 1.64% | +0.08% | 58th above |
| Yield on Earning Assets | 5.27% | 5.65% | -0.38% | 34th below |
| Cost of Funds | 1.00% | 1.85% | -0.85% | 91st top |
| Net Interest Spread | 4.00% | 3.35% | +0.65% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.16% | 0.92% | -0.76% | 67th above |
| NPA / Total Assets | 0.08% | 0.67% | -0.59% | 72nd above |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 83rd top |
| ACL / Total Loans | 1.98% | 1.28% | +0.70% | 93rd top |
| ACL / NPLs (Coverage) | 1229.17% | 1645.32% | -416.15% | — |
| Texas Ratio | 0.53% | 7.15% | -6.62% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.27% | 12.46% | +1.81% | 83rd top |
| Equity / Assets | 14.28% | 11.67% | +2.61% | 86th top |
| TCE / Tangible Assets | 14.28% | 11.40% | +2.88% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.25% | 78.65% | -18.40% | 83rd top |
| Core Deposit Ratio | 90.54% | 87.09% | +3.45% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.74% | 6.47% | -2.73% | 45th below |
| Loan Growth (Y/Y) | -4.08% | 7.64% | -11.72% | 9th bottom |
| Deposit Growth (Y/Y) | 2.75% | 6.02% | -3.27% | 41st below |
See First New Mexico Bank of Silver City's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First New Mexico Bank of Silver City, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First New Mexico Bank of Silver City profile, how to read a UBPR, or how this data updates.