Tucumcari Federal Savings & Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Tucumcari Federal Savings & Loan Association is an FDIC-insured savings institution headquartered in Tucumcari, NM, established in 1934 (FDIC certificate 29059), and it is supervised by the OCC. At Q2 2026 it reported total assets of $38.4M, up 3.1% from Q2 2025, the 28th largest of 29 banks headquartered in New Mexico. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29059
- Headquarters
- Tucumcari, NM
- Established
- 1934
- Total assets, Q2 2026
- $38.4M
- Assets vs Q2 2025
- +3.1%
- Tier 1 leverage ratio, Q2 2026
- 15.22%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 312270476
- Latest call report
- Q2 2026, FFIEC 051 · Tucumcari Federal Savings & Loan Association Q3 2026 call report, filed October 23, 2026 (preliminary)
- Asset rank in state
- 28th of 29 in New Mexico
Tucumcari Federal Savings & Loan Association pays more for its money than most banks of its size. The Tucumcari, New Mexico bank had $38 million in assets at June 30, 2026, up 3.1% from a year earlier. It pays an average of 3.42% on its deposits and borrowings, about double the median of 1.53% for the 533 banks with less than $100 million in assets. It also shrank its loan book 9.1% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Earnings fell sharply: quarterly net income of $6,000 was 83% below a year earlier. Over the same year, loans shrank 9.1% and deposits grew 7.7%. Costs are the weak spot: it spends about 99 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Tucumcari Federal Savings & Loan Association reported a return on assets of 0.06%, a nonperforming-loan ratio of 1.02% and a Texas ratio of 4.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Tucumcari Federal Savings & Loan Association is the 28th largest of the 29 banks headquartered in New Mexico. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $38.4M, loans fell 2.8% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 85.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 6.3%. Its one office in the FDIC Summary of Deposits is in Tucumcari, NM. Judged on its Q2 2026 call report, Tucumcari Federal Savings & Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 S 1st St, Tucumcari, NM 88401
- County
- Quay
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $29.2M
- Allowance for credit losses
- $267K
- Net charge-offs (YTD)
- $0
- Average total assets
- $38.4M
- Average total loans
- $24.5M
- Average interest-bearing deposits
- $28.7M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29059
- Fed RSSD
- 767572
- Website
- www.tucfed.com →
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, Tucumcari Federal Savings & Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Tucumcari Federal Savings & Loan Association's total assets ran between $36.6M (Q3 2025) and $40.7M (Q3 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$38.4M total assets against $37.2M; $32.6M total liabilities against $31.5M.
$24.1M net loans and leases against $26.6M; $29.2M total deposits against $27.1M.
$3.7M securities against $3.5M; $8.7M cash and balances due against $5.4M.
$544K total interest income against $559K; $250K total interest expense against $246K.
$294K net interest income against $313K.
$10K total noninterest income against $9K; $301K total noninterest expense against $281K.
-$6K provision for credit losses against -$5K.
$6K net income against $36K.
0.06% return on assets against 0.39%; 3.19% net interest margin against 3.51%.
15.22% tier 1 leverage ratio against 15.58%.
Inside the full Tucumcari Federal Savings & Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.17% (Q3 2024) to 0.51% (Q4 2025) and its net interest margin ran from 3.16% (Q4 2024) to 3.53% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.22% | 0.06% | 1.02% | 4.11% | 3.19% |
| Q1 2026 | 15.57% | 0.12% | 1.01% | 4.17% | 3.38% |
| Q4 2025 | 15.84% | 0.51% | 0.98% | 4.30% | 3.47% |
| Q3 2025 | 15.77% | -0.15% | 0.93% | 4.14% | 3.53% |
| Q2 2025 | 15.58% | 0.39% | 1.01% | 4.48% | 3.51% |
| Q1 2025 | 15.16% | 0.31% | 1.02% | 4.58% | 3.33% |
| Q4 2024 | 14.82% | 0.41% | 1.71% | 8.01% | 3.16% |
| Q3 2024 | 14.45% | -0.17% | 0.97% | 4.59% | 3.23% |
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 |
|---|---|---|---|
| Tucumcari Federal Savings and Loan Association | Tucumcari , NM | 88401 | $29.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NM, rank 53 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Tucumcari Federal Savings & Loan Association
What are Tucumcari Federal Savings & Loan Association's total assets?
As of the Q2 2026 filing, Tucumcari Federal Savings & Loan Association reported total assets of $38.4 million in its FFIEC call report.
Where is Tucumcari Federal Savings & Loan Association headquartered?
It is headquartered in Tucumcari, NM, United States.
When was Tucumcari Federal Savings & Loan Association founded?
It was established in 1934, per the FDIC institution directory.
Is Tucumcari Federal Savings & Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29059). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tucumcari Federal Savings & Loan Association?
Tucumcari Federal Savings & Loan Association's primary federal regulator is the OCC.
How many branches does Tucumcari Federal Savings & Loan Association 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 Tucumcari Federal Savings & Loan Association's Texas Ratio?
Its Texas Ratio is 4.11% 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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