| Metric | First New Mexico Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.9 pts |
| Loan growth (YoY) | -1.6% | +5.6% | -7.2 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $275.1M | $230.9M | $121.0M | $40.3M | $2.3M | 1.67% | 4.07% | 0.80% |
| Q1 2026 | $274.4M | $230.6M | $122.9M | $39.7M | $1.2M | 1.71% | 3.96% | 1.41% |
| Q4 2025 | $276.2M | $232.8M | $121.7M | $39.2M | $4.1M | 1.55% | 4.01% | 1.28% |
| Q3 2025 | $264.2M | $221.2M | $119.2M | $38.5M | $2.9M | 1.45% | 3.97% | 1.21% |
| Q2 2025 | $258.4M | $216.1M | $123.0M | $37.4M | $1.8M | 1.37% | 3.94% | 1.39% |
| Q1 2025 | $267.2M | $225.7M | $124.2M | $36.5M | $877K | 1.32% | 3.96% | 1.09% |
| Q4 2024 | $266.1M | $225.8M | $123.2M | $35.6M | $3.9M | 1.46% | 3.68% | 1.78% |
| Q3 2024 | $262.8M | $222.6M | $123.5M | $35.2M | $2.8M | 1.43% | 3.64% | 1.81% |
Loan mix (Q2 2026): real estate $102.9M · commercial $15.5M · consumer $2.7M · securities $101.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First New Mexico Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.3% | 62.9% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First New Mexico Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First New Mexico Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First New Mexico Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First New Mexico Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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