Four Corners Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Four Corners Community Bank is an FDIC-insured commercial bank headquartered in Farmington, NM, established in 2000 (FDIC certificate 35441), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $662.3M, up 15.9% from Q2 2025, the 10th largest of 29 banks headquartered in New Mexico. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.62% 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
- 35441
- Headquarters
- Farmington, NM
- Established
- 2000
- Total assets, Q2 2026
- $662.3M
- Assets vs Q2 2025
- +15.9%
- Tier 1 leverage ratio, Q2 2026
- 9.62%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 102206728
- Latest call report
- Q2 2026, FFIEC 051 · Four Corners Community Bank call report
- Holding company
- MESA WEST BANCORP
- Asset rank in state
- 10th of 29 in New Mexico
Four Corners Community Bank, based in Farmington, New Mexico, reported $662 million in assets at June 30, 2026, up 15.9% from a year earlier. It grew its loan book 22.7% over the year, 4.1 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.35% of loans from 2.79%. Its $143 million non-owner-occupied commercial real estate book is now fully current, after 8.97% of it was past due or on nonaccrual a year earlier. Where it has less room is capital: it funds 9.62% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Four Corners Community Bank reported a return on assets of 1.82%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
Of the 29 banks headquartered in New Mexico, Four Corners Community Bank is the 10th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.7% to $662.3M, loans rose 6.4% and deposits rose 4.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 31.7% of total loans, ahead of commercial and industrial loans at 19.3%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities across 2 states; its Farmington 3 offices book 73% of its branch deposits. On its Q2 2026 call report, Four Corners Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 W Main St, Farmington, NM 87401
- County
- San Juan
- Metro Area
- Farmington, 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 2000
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 87
- Domestic deposits
- $569.1M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $384K
- Average total assets
- $649.2M
- Average total loans
- $441.9M
- Average interest-bearing deposits
- $391.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 2000
- FDIC Cert
- 35441
- Fed RSSD
- 2855866
- Website
- www.thebankforme.com →
- Parent Holding Company
- MESA WEST BANCORP (RSSD 5759200)
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, Four Corners Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Four Corners Community Bank's total assets moved between a low of $494.4M (Q4 2023) and a high of $662.3M (Q2 2026) from Q3 2023 to 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
$662.3M total assets against $571.2M; $605.0M total liabilities against $518.9M.
$442.9M net loans and leases against $360.0M; $569.1M total deposits against $498.2M.
$161.6M securities against $147.5M; $45.8M cash and balances due against $49.8M.
$9.6M total interest income against $8.0M; $2.8M total interest expense against $2.3M.
$6.8M net interest income against $5.7M.
$737K total noninterest income against $1.8M; $4.2M total noninterest expense against $3.6M.
$384K provision for credit losses against $180K.
$2.9M net income against $3.7M.
1.82% return on assets against 2.61%; 4.27% net interest margin against 4.07%.
9.62% tier 1 leverage ratio against 10.48%.
Inside the full Four Corners Community Bank 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.
Four Corners Community Bank rankings
Its closest position to the top of a national ranking is 727 of 3,611, for ROA; its furthest is 2,089 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q1 2025) to 2.61% (Q2 2025) and its net interest margin ran from 4.00% (Q1 2025) to 4.38% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.62% | 1.82% | 0.35% | 2.41% | 4.27% |
| Q1 2026 | 9.80% | 2.31% | 0.39% | 2.54% | 4.11% |
| Q4 2025 | 9.71% | 1.76% | 2.32% | 15.52% | 4.21% |
| Q3 2025 | 9.91% | 1.30% | 2.49% | 20.61% | 4.21% |
| Q2 2025 | 10.48% | 2.61% | 2.80% | 21.75% | 4.07% |
| Q1 2025 | 10.55% | 0.79% | 3.04% | 24.22% | 4.00% |
| Q4 2024 | 10.87% | 2.08% | 2.90% | 24.06% | 4.38% |
| Q3 2024 | 10.68% | 1.60% | 3.20% | 23.75% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Four Corners Community Bank (main office) | Farmington , NM | 87401 | $308.6M |
| The Citizens State Bank of Cortez Branch | Cortez , CO | 81321 | $91.7M |
| 20th Street Branch | Farmington , NM | 87402 | $65.0M |
| East Main Street Branch | Farmington , NM | 87402 | $41.2M |
| Aztec Branch | Aztec , NM | 87410 | $36.6M |
| Durango Branch | Durango , CO | 81301 | $26.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2013 | Structure Change | Acquired The Citizens State Bank of Cortez Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in NM, rank 20 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $584K approved, $584K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 Four Corners Community Bank
What are Four Corners Community Bank's total assets?
As of the Q2 2026 filing, Four Corners Community Bank reported total assets of $662.3 million in its FFIEC call report.
Where is Four Corners Community Bank headquartered?
It is headquartered in Farmington, NM, United States.
When was Four Corners Community Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Four Corners Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35441). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Four Corners Community Bank?
Four Corners Community Bank's primary federal regulator is the FDIC.
How many branches does Four Corners Community Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Four Corners Community Bank's Texas Ratio?
Its Texas Ratio is 2.41% 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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