Total Assets
$292M
Total balance-sheet footings
FDIC Cert #16854 · Las Vegas, New Mexico · Est. 1949
Community 1st Bank Las Vegas - FDIC Bank Health Profile
A community-scale look at Community 1st Bank Las Vegas's own numbers, pulled straight from its quarterly FDIC Call Report.
- $292M
- Total assets
- A
- Health grade · Excellent
- 2.19%
- Return on assets
- 21.1%
- Tier 1 capital
Data updated July 2026
The verdict
Community 1st Bank Las Vegas earns a PlainBankData health grade of A (100/100), with well-capitalized at 21.06% Tier 1, profitable at 2.19% ROA, efficient (42% cost ratio).
- #2,521
- largest of 4,313 FDIC banks by assets
- 42nd
- percentile by asset size, nationally
- 21.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 93rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community 1st Bank Las Vegas's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community 1st Bank Las Vegas's composite health score
Tier 1 Capital Ratio (21.06%) 40/40
Return on Assets (ROA) (2.19%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (41.97%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$266M
Customer-funded liabilities
Net Loans
$91M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community 1st Bank Las Vegas ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community 1st Bank Las Vegas's score of 100/100 falls in the highlighted band.
Community 1st Bank Las Vegas's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community 1st Bank Las Vegas's $292M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.06%
Texas Ratio
0.00%
Equity Capital
$25M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.19%
Return on Equity (ROE)
28.52%
Efficiency Ratio
41.97%
What the numbers say about Community 1st Bank Las Vegas
Community 1st Bank Las Vegas is an FDIC-insured institution (Certificate #16854) headquartered in Las Vegas, New Mexico, established in 1949. It holds $292M in total assets - 2,521st of 4,313 FDIC-insured banks, $266M in customer deposits, and $91M in net loans. Capital-wise, the Tier 1 ratio sits at 21.06%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community 1st Bank Las Vegas sits 19th of 29 banks headquartered in New Mexico by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community 1st Bank Las Vegas reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community 1st Bank Las Vegas (FDIC Cert #16854) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| CNB BankCarlsbad | $989M | B | 2.16% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
Frequently asked questions
What is Community 1st Bank Las Vegas's health grade?▼
Community 1st Bank Las Vegas receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Community 1st Bank Las Vegas?▼
Community 1st Bank Las Vegas holds $292M in total assets and $266M in deposits, ranking 2,521st of 4,313 FDIC-insured banks by asset size. It is headquartered in Las Vegas, New Mexico.
Is my money safe at Community 1st Bank Las Vegas?▼
Yes, deposits at Community 1st Bank Las Vegas (Certificate #16854) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community 1st Bank Las Vegas's Tier 1 Capital Ratio?▼
Community 1st Bank Las Vegas has a Tier 1 Capital Ratio of 21.06%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community 1st Bank Las Vegas?▼
Community 1st Bank Las Vegas has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community 1st Bank Las Vegas?▼
Community 1st Bank Las Vegas has an Efficiency Ratio of 41.97%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community 1st Bank Las Vegas's profile as a depositor or analyst.
- Community 1st Bank Las Vegas's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community 1st Bank Las Vegas against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.