FDIC Cert #17643 · Alamogordo, New Mexico · Est. 1956

First National Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$470M
Total assets
B
Health grade · Good
1.62%
Return on assets
10.3%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank earns a PlainBankData health grade of B (75/100), with well-capitalized at 10.26% Tier 1, profitable at 1.62% ROA, efficient (57% cost ratio).

#1,877
largest of 4,313 FDIC banks by assets
56th
percentile by asset size, nationally
10.26%
Tier 1 ratio - above the 10% well-capitalized line
79th
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 17643 · NM B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2562/4307
  • PHOTO-FINISH DLP Bank · FL
  • TIER1-WELL 10.3% Tier 1
  • TEXAS-HEALTHY 17.7% Texas
  • ROA-STRONG 1.62% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: DLP Bank, FL (±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 National Bank

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

Morgan Stanley Bank,… · UT ·…100/100DLP Bank · FL · near75/100First National Bank · NM · t…75/100Maverick Bank · TX · near75/100PlainsCapital Bank · TX · ne…75/100The Fisher National… · IL · …75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank · July 2026

What First National Bank's Call Report plate shows

First National Bank (FDIC Cert #17643) carries a PlainBankData health grade of B at 75/100, 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 #2,562 of 4,307. Tier 1 capital prints at 10.26%, clearing the 10% well-capitalized line. The Texas Ratio is 17.67%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.62%. Balance-sheet scale is $470M, 1,877th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is DLP Bank (FL), 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 National Bank

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

First National 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 National 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 National Bank's 75/100 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 avg77/10075/100
First National Bank's composite health score
Tier 1 Capital Ratio (10.26%) 28/40
Return on Assets (ROA) (1.62%) 25/25
Texas Ratio (17.67%) 10/20
Efficiency Ratio (57.21%) 12/15

75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$470M

Total balance-sheet footings

Total Deposits

$442M

Customer-funded liabilities

Net Loans

$218M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.86% 10.26% 11.66%
Basel III capital ratios - First National Bank

Where First National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank's score of 75/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

75 41st percentile higher than 41% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National 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 National 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 National Bank's $470M falls in the highlighted band.

Safety ratios for First National Bank

Tier 1 capital ratio
Well-capitalized 10%

10.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.26%
Texas Ratio
17.67%
Equity Capital
$26M

What these ratios mean →

Earnings posture at First National Bank

Return on Assets (ROA)
79th percentile nationally
1.62%
Return on Equity (ROE)
36.74%
Efficiency Ratio
57.21%

What these mean →

Income & expense at First National Bank

$21M
Interest Income
$4M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank reports a Texas Ratio of 17.67% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

17.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National 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 ($470M here), outside New Mexico so the neighborhood is not state containment.

The Neffs National Bank $470M · PA Citizens Bank $470M · MS Northview Bank $470M · MN BLC Community Bank $471M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank (FDIC Cert #17643) - 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 National 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
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%