Main Bank
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Data as of · sourced from FFIEC call reports. How we update
Main Bank is an FDIC-insured commercial bank headquartered in Albuquerque, NM, established in 1975 (FDIC certificate 22086), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $245.2M, down 0.6% from Q2 2025, the 22nd largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 14.82% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22086
- Headquarters
- Albuquerque, NM
- Established
- 1975
- Total assets, Q2 2026
- $245.2M
- Assets vs Q2 2025
- -0.6%
- CET1 ratio, Q2 2026
- 14.82%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 107002723
- Holding company
- MAIN BANC, INC.
- Asset rank in state
- 22nd of 29 in New Mexico
Main Bank leans heavily on commercial real estate. The Albuquerque, New Mexico bank had $245 million in assets at June 30, 2026. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
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 0.00% of loans from 0.52%. Its $84 million non-owner-occupied commercial real estate book is now fully current, after 1.29% of it was past due or on nonaccrual a year earlier.
As of June 30, 2026, Main Bank reported a CET1 capital ratio of 14.82%, a return on assets of 2.13%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 29 banks headquartered in New Mexico, Main Bank is the 22nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.5% to $245.2M, loans rose 4.6% and deposits fell 4.4%. Non-owner-occupied commercial real estate loans made up 43.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 34.8%. The FDIC Summary of Deposits lists a single office for it, in Albuquerque, NM. On its Q2 2026 call report, Main Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7300 Menaul Blvd Ne, Albuquerque, NM 87110
- County
- Bernalillo
- Metro Area
- Albuquerque, 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
- August 5, 1975
- Former names
- Interamerica Bank (1996-2005); Interamerica Bank, National Association (1995-1996); Plaza National Bank (1981-1995)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $211.4M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $254.7M
- Average total loans
- $194.8M
- Average interest-bearing deposits
- $157.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 5, 1975
- FDIC Cert
- 22086
- Fed RSSD
- 430054
- SEC CIK
- 1492259 → filed by MAIN BANC, INC.
- Website
- http://www.main.bank →
- Parent Holding Company
- MAIN BANC, INC. (RSSD 3365296)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Main Bank's total assets moved between a low of $242.5M (Q1 2025) and a high of $277.2M (Q3 2025) 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
$245.2M total assets against $246.7M; $216.4M total liabilities against $219.1M.
$192.1M net loans and leases against $195.1M; $211.4M total deposits against $205.5M.
$17.2M securities against $22.6M; $26.8M cash and balances due against $19.5M.
$3.7M total interest income against $3.6M; $1.0M total interest expense against $1.0M.
$2.7M net interest income against $2.5M.
$77K total noninterest income against $78K; $1.4M total noninterest expense against $1.4M.
$0 provision for credit losses against $10K.
$1.4M net income against $1.2M.
2.13% return on assets against 2.01%; 4.38% net interest margin against 4.28%.
14.82% CET1 capital ratio against 14.02%; 11.55% tier 1 leverage ratio against 11.70%.
Inside the full Main 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.
Main Bank rankings
Its closest position to the top of a national ranking is 371 of 3,611, for ROA; its furthest is 3,510 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.53% (Q3 2024) to 2.43% (Q4 2025) and its net interest margin ran from 3.46% (Q3 2024) to 4.38% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.82% | 2.13% | 0.00% | 0.00% | 4.38% |
| Q1 2026 | 15.19% | 1.99% | 0.00% | 0.00% | 4.10% |
| Q4 2025 | 14.60% | 2.43% | 0.00% | 0.00% | 4.23% |
| Q3 2025 | 14.22% | 2.34% | 0.00% | 0.00% | 4.35% |
| Q2 2025 | 14.02% | 2.01% | 0.52% | 3.36% | 4.28% |
| Q1 2025 | 13.92% | 2.17% | 0.00% | 0.00% | 3.92% |
| Q4 2024 | 13.42% | 1.92% | 0.00% | 1.60% | 4.00% |
| Q3 2024 | 12.99% | 1.53% | 0.26% | 2.08% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Main Bank (main office) | Albuquerque , NM | 87110 | $211.4M |
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 |
|---|---|---|---|
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Bank 1st Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 18, 1991, OCC: Formal Agreement: Plaza National Bank
- Period: Most recent institution action July 18, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NM, rank 39 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Main Bank
What are Main Bank's total assets?
As of the Q2 2026 filing, Main Bank reported total assets of $245.2 million in its FFIEC call report.
Where is Main Bank headquartered?
It is headquartered in Albuquerque, NM, United States.
When was Main Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Main Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22086). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Main Bank?
Main Bank's primary federal regulator is the FDIC.
What is Main Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.82% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Main Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Main Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Main Bank previously called?
The charter now named Main Bank has also operated as Interamerica Bank (1996-2005), Interamerica Bank, National Association (1995-1996), Plaza National Bank (1981-1995), per FDIC structure-change records.
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