Financial strength ranking · New Mexico · Call Report data as of Q2 2026

Best Banks in New Mexico by Financial Strength

Western Bank, Artesia, New Mexico ranks first among the 27 banks headquartered in New Mexico we score, with a financial strength score of 84.0 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Western Bank, Artesia, New Mexico
Its score: 84.0 of 100
Banks scored in New Mexico: 27
Its return on assets: 2.74%

Every scored bank in New Mexico

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in New Mexico ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Western Bank, Artesia, New Mexico Artesia	84.0	2.74%	40.06%	11.14%	0.00%	$350.5M
2	Main Bank Albuquerque	79.5	2.13%	51.31%	11.55%	0.00%	$245.2M
3	First American Bank Artesia	75.3	2.76%	41.60%	11.79%	0.33%	$1.91B
4	Western Bank Lordsburg	73.3	2.00%	52.25%	12.21%	0.15%	$325.9M
5	Community 1st Bank Las Vegas Las Vegas	73.2	2.18%	46.64%	10.02%	0.01%	$293.9M
6	American Heritage Bank Clovis	72.3	1.83%	46.84%	11.09%	0.11%	$153.2M
7	Valley Bank of Commerce Roswell	71.3	3.58%	38.88%	14.47%	1.72%	$304.1M
8	Centinel Bank of Taos Taos	69.1	2.11%	47.12%	9.22%	0.00%	$424.8M
9	First New Mexico Bank of Silver City Silver City	69.0	1.86%	65.01%	14.27%	0.08%	$147.5M
10	CNB Bank Carlsbad	68.7	2.15%	47.93%	9.73%	0.06%	$1.07B
11	First New Mexico Bank Deming	67.4	1.63%	45.61%	14.73%	0.80%	$275.1M
12	Pioneer Bank Roswell	66.6	2.89%	46.52%	12.32%	1.20%	$1.09B
13	The Citizens Bank Farmington	66.6	2.07%	50.08%	9.11%	0.01%	$804.3M
14	Citizens Bank of Las Cruces Las Cruces	63.8	2.25%	52.95%	10.42%	0.32%	$1.17B
15	The Citizens Bank of Clovis Clovis	60.8	1.45%	46.09%	11.66%	0.59%	$491.2M
16	First State Bank Socorro	59.6	1.14%	69.74%	14.27%	0.00%	$188.0M
17	First New Mexico Bank, Las Cruces Las Cruces	59.4	1.89%	54.92%	13.05%	1.34%	$171.9M
18	The Bank of Clovis Clovis	58.4	1.39%	57.62%	10.84%	0.12%	$438.4M
19	Four Corners Community Bank Farmington	56.8	1.82%	55.44%	9.62%	0.24%	$662.3M
20	Western Commerce Bank Carlsbad	53.5	3.13%	40.20%	8.82%	1.34%	$863.5M
21	James Polk Stone Community Bank Portales	51.3	2.15%	59.53%	9.98%	0.67%	$443.8M
22	Inbank Raton	45.7	1.09%	55.33%	11.46%	0.97%	$1.35B
23	Lea County State Bank Hobbs	43.5	1.37%	47.70%	9.21%	1.14%	$738.3M
24	Southwest Capital Bank Albuquerque	35.4	1.15%	70.33%	10.82%	0.83%	$482.9M
25	Century Bank Santa Fe	24.9	1.03%	76.30%	10.25%	1.55%	$1.36B
26	Bank of the Southwest Roswell	21.8	0.96%	83.64%	9.36%	0.74%	$176.3M
27	First National Bank Alamogordo	20.8	0.79%	75.05%	10.31%	2.57%	$452.8M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in New Mexico?

By our financial strength score, Western Bank, Artesia, New Mexico of Artesia ranks first among the 27 scored banks headquartered in New Mexico, scoring 84.0 out of 100 for Q2 2026: return on assets of 2.74%, an efficiency ratio of 40.06%, a Tier 1 leverage ratio of 11.14% and nonperforming assets of 0.00% of total assets. Main Bank and First American Bank rank second and third.

How are the best banks in New Mexico ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in New Mexico

Largest banks in New Mexico Bank deposits in New Mexico Largest credit unions in New Mexico Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.