FDIC Cert #2240 · Artesia, New Mexico · Est. 1903

First American Bank - FDIC Bank Health Profile

A community-scale look at First American Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.8B
Total assets
A
Health grade · Excellent
2.74%
Return on assets
19.5%
Tier 1 capital

Data updated July 2026

The verdict

First American Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 19.45% Tier 1, profitable at 2.74% ROA, efficient (41% cost ratio).

#638
largest of 4,313 FDIC banks by assets
85th
percentile by asset size, nationally
19.45%
Tier 1 ratio - above the 10% well-capitalized line
97th
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.

FDIC Call Report plate

Cert 2240 · NM A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #24/4307
  • PHOTO-FINISH The First National B… · GA
  • TIER1-WELL 19.5% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-STRONG 2.74% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: The First National Bank of Waynesboro, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First American Bank

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

American Interstate… · NE · …100/100First American Bank · NM · t…100/100First Financial Bank · TX · …100/100Morgan Stanley Bank,… · UT ·…100/100Nekoosa Port Edwards… · WI ·…100/100The First National B… · GA ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First American Bank · July 2026

What First American Bank's Call Report plate shows

First American Bank (FDIC Cert #2240) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #24 of 4,307. Tier 1 capital prints at 19.45%, clearing the 10% well-capitalized line. The Texas Ratio is 2.68%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.74%. Balance-sheet scale is $1.8B, 638th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Waynesboro (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First American Bank

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

First American Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First American Bank remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

How First American Bank'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.

0/100100/100National avg77/100100/100
First American Bank's composite health score
Tier 1 Capital Ratio (19.45%) 40/40
Return on Assets (ROA) (2.74%) 25/25
Texas Ratio (2.68%) 20/20
Efficiency Ratio (41.45%) 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 Assets

$1.8B

Total balance-sheet footings

Total Deposits

$1.6B

Customer-funded liabilities

Net Loans

$1.1B

Outstanding loan book

Net Income

$51M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.05% 19.45% 20.85%
Basel III capital ratios - First American Bank

Where First American Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First American Bank's score of 100/100 falls in the highlighted band.

First American Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First American Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First American Bank'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). First American Bank's $1.8B falls in the highlighted band.

Safety ratios for First American Bank

Tier 1 capital ratio
Well-capitalized 10%

19.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.45%
Texas Ratio
2.68%
Equity Capital
$197M

What these ratios mean →

Earnings posture at First American Bank

Return on Assets (ROA)
97th percentile nationally
2.74%
Return on Equity (ROE)
30.72%
Efficiency Ratio
41.45%

What these mean →

Income & expense at First American Bank

$102M
Interest Income
$12M
Non-Interest Income
$42M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First American Bank reports a Texas Ratio of 2.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First American Bank on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.8B here), outside New Mexico so the neighborhood is not state containment.

Great Plains National Bank $1.9B · OK FirstBank Southwest $1.9B · TX First Citizens Bank $1.8B · IA Androscoggin Savings Bank $1.8B · ME

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First American Bank (FDIC Cert #2240) - 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.

First American Bank Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
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%
Lea County State BankHobbs $708M A 1.63%