First New Mexico Bank of Silver City: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 802.83 percentage points lower than in Q1 2026, at 1229.17%. First New Mexico Bank of Silver City ranks 16th of 29 New Mexico banks on return on assets, in the lower half at 1.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First New Mexico Bank of Silver City sits 0.60 points higher, at 1.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.27% |
| Equity capital to assets | 14.28% |
| Tangible equity to tangible assets | 14.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.53% |
| Allowance for credit losses to loans | 1.98% |
| Reserve coverage of non-performing loans | 1229.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 13.25% |
| Net interest margin | 4.41% |
| Efficiency ratio | 65.01% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.25% |
| Core deposits to total deposits | 90.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.93% |
| Securities to assets | 33.26% |
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 | 11.50% | 1.48% | 4.37% | 0.14% | 0.00% |
| Q4 2023 | 12.02% | 1.57% | 4.48% | 0.00% | 0.30% |
| Q1 2024 | 12.15% | 1.43% | 4.46% | 0.00% | 0.00% |
| Q2 2024 | 12.15% | 1.44% | 5.13% | 0.06% | 0.00% |
| Q3 2024 | 12.30% | 1.58% | 4.81% | 0.06% | 0.00% |
| Q4 2024 | 12.18% | 1.65% | 5.09% | 0.06% | 0.00% |
| Q1 2025 | 12.76% | 1.54% | 5.28% | 0.05% | -0.03% |
| Q2 2025 | 12.89% | 1.55% | 5.61% | 0.17% | -0.01% |
| Q3 2025 | 13.54% | 2.07% | 5.71% | 0.17% | 0.01% |
| Q4 2025 | 13.63% | 2.20% | 5.54% | 0.09% | 0.28% |
| Q1 2026 | 14.14% | 1.95% | 5.68% | 0.10% | -0.04% |
| Q2 2026 | 14.27% | 1.86% | 4.41% | 0.16% | -0.01% |
First New Mexico Bank of Silver City vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First New Mexico Bank of Silver City, 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 of Silver City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24865) · FFIEC NIC profile (RSSD 495558)