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Profitability · New Mexico

Most Efficient US Banks (Lowest Efficiency 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 US Banks (Lowest Efficiency Ratio): VALLEY BANK OF COMMERCE — 36.93% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 27 banks with reported data Showing: Top 27 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Valley Bank of Commerce Roswell , NM 36.93% $297.7M
2 First American Bank Artesia , NM 38.56% $1.93B
3 Western Bank, Artesia, New Mexico Artesia , NM 39.14% $318.7M
4 Western Commerce Bank Carlsbad , NM 41.83% $896.9M
5 Citizens Bank of Clovis, the Clovis , NM 47.55% $503.4M
6 Centinel Bank of Taos Taos , NM 47.60% $421.7M
7 Four Corners Community Bank Farmington , NM 48.20% $632.3M
8 First New Mexico Bank Deming , NM 48.39% $274.4M
9 Cnb Bank Carlsbad , NM 48.79% $957.8M
10 American Heritage Bank Clovis , NM 49.50% $149.0M
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11 Community 1st Bank Las Vegas Las Vegas , NM 50.05% $292.3M
12 Main Bank Albuquerque , NM 51.68% $254.2M
13 Citizens Bank, the Farmington , NM 52.48% $794.7M
14 Citizens Bank of Las Cruces Las Cruces , NM 52.69% $1.17B
15 Pioneer Bank Roswell , NM 53.44% $1.09B
16 James Polk Stone Community Bank Portales , NM 53.82% $443.2M
17 Western Bank Lordsburg , NM 54.25% $328.6M
18 Lea County State Bank Hobbs , NM 55.55% $718.6M
19 Inbank Raton , NM 56.59% $1.36B
20 First New Mexico Bank, Las Cruces Las Cruces , NM 60.01% $174.7M
21 Bank of Clovis, the Clovis , NM 60.89% $465.9M
22 First New Mexico Bank of Silver City Silver City , NM 64.09% $143.8M
23 First National Bank Alamogordo , NM 64.62% $464.5M
24 First State Bank Socorro , NM 65.00% $185.7M
25 Southwest Capital Bank Albuquerque , NM 69.16% $471.5M
26 Century Bank Santa Fe , NM 78.62% $1.35B
27 Bank of the Southwest Roswell , NM 81.32% $174.8M

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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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