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Liquidity & Balance Sheet · New Mexico

US Banks with Highest Loan-to-Deposit Ratio in New Mexico

Ranked among banks headquartered in New Mexico. Re-ranked 1-27 within the state from the same national ranking population.

#1 Loan-to-Deposit Ratio: CNB BANK — 86.27% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.

Ranked: 27 banks with reported data Showing: Top 27 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is the Loan-to-Deposit Ratio? A Bank Guide
# Bank HQ US Banks with … Total Assets
1 Cnb Bank Carlsbad , NM 86.27% $957.8M
2 Main Bank Albuquerque , NM 84.40% $254.2M
3 Inbank Raton , NM 83.15% $1.36B
4 Citizens Bank of Las Cruces Las Cruces , NM 82.16% $1.17B
5 Pioneer Bank Roswell , NM 81.22% $1.09B
6 Four Corners Community Bank Farmington , NM 77.70% $632.3M
7 Bank of the Southwest Roswell , NM 77.33% $174.8M
8 Citizens Bank of Clovis, the Clovis , NM 71.28% $503.4M
9 First American Bank Artesia , NM 68.58% $1.93B
10 Century Bank Santa Fe , NM 67.76% $1.35B
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11 First New Mexico Bank of Silver City Silver City , NM 63.93% $143.8M
12 Valley Bank of Commerce Roswell , NM 62.80% $297.7M
13 First New Mexico Bank, Las Cruces Las Cruces , NM 62.58% $174.7M
14 Western Bank, Artesia, New Mexico Artesia , NM 60.97% $318.7M
15 Western Commerce Bank Carlsbad , NM 60.24% $896.9M
16 American Heritage Bank Clovis , NM 56.24% $149.0M
17 First New Mexico Bank Deming , NM 54.50% $274.4M
18 Bank of Clovis, the Clovis , NM 53.02% $465.9M
19 James Polk Stone Community Bank Portales , NM 52.59% $443.2M
20 First National Bank Alamogordo , NM 50.30% $464.5M
21 Southwest Capital Bank Albuquerque , NM 49.88% $471.5M
22 Citizens Bank, the Farmington , NM 45.12% $794.7M
23 Centinel Bank of Taos Taos , NM 40.95% $421.7M
24 Lea County State Bank Hobbs , NM 34.74% $718.6M
25 Community 1st Bank Las Vegas Las Vegas , NM 34.41% $292.3M
26 Western Bank Lordsburg , NM 25.34% $328.6M
27 First State Bank Socorro , NM 7.42% $185.7M

More Liquidity & Balance Sheet rankings

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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