FDIC Cert #18514 · Deming, New Mexico · Est. 1962

First New Mexico Bank - FDIC Bank Health Profile

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

Compiled from official source data by PlainBankData Editorial

$276M
Total assets: A
Health grade · Excellent: 1.55%
Return on assets: 14.5%
Tier 1 capital

Data updated July 2026

The verdict

First New Mexico Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 14.53% Tier 1, profitable at 1.55% ROA, efficient (44% cost ratio).

#2,612
largest of 4,313 FDIC banks by assets: 39th
percentile by asset size, nationally: 14.53%
Tier 1 ratio - above the 10% well-capitalized line: 76th
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 First New Mexico Bank's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

First New Mexico Bank's composite health score

Tier 1 Capital Ratio (14.53%) 35/40

Return on Assets (ROA) (1.55%) 25/25

Texas Ratio (3.04%) 20/20

Efficiency Ratio (44.24%) 15/15

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

Balance sheet at a glance

Total Assets

$276M

Total balance-sheet footings

Total Deposits

$233M

Customer-funded liabilities

Net Loans

$122M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

Basel III capital ratios - First New Mexico Bank

Where First New Mexico Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First New Mexico Bank's score of 95/100 falls in the highlighted band.

First New Mexico Bank (95/100)

First New Mexico 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 New Mexico Bank's $276M falls in the highlighted band.

First New Mexico Bank ($276M)

Safety metrics

Tier 1 capital ratio

Well-capitalized 10%

14.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio

14.53%

Texas Ratio

3.04%

Equity Capital

$39M

What these ratios mean →

Profitability metrics

Return on Assets (ROA)

76th percentile nationally

1.55%

Return on Equity (ROE)

11.01%

Efficiency Ratio

44.24%

What these mean →

What the numbers say about First New Mexico Bank

First New Mexico Bank is an FDIC-insured institution (Certificate #18514) headquartered in Deming, New Mexico, established in 1962. It holds $276M in total assets - 2,612th of 4,313 FDIC-insured banks, $233M in customer deposits, and $122M in net loans. Looking at capital strength, Tier 1 stands at 14.53%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.04%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.

Within New Mexico, First New Mexico Bank ranks 21st of 29 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.

Income & expense breakdown

$13M

Interest Income

$899K

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. First New Mexico Bank reports a Texas Ratio of 3.04% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio

Caution 50%

3.04% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First New Mexico Bank on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico

1

First American Bank $1.8B

Artesia, NM · Grade A
2

InBank $1.4B

Raton, NM · Grade B
3

Century Bank $1.3B

Santa Fe, NM · Grade B
4

Citizens Bank of Las Cruces $1.1B

Las Cruces, NM · Grade A
5

Pioneer Bank $1.1B

Roswell, NM · Grade A

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

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First New Mexico Bank (FDIC Cert #18514) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 Accessed 2026-07-21 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 First New Mexico Bank's health grade?▼

First New Mexico Bank receives a health grade of A (95/100) 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 First New Mexico Bank?▼

First New Mexico Bank holds $276M in total assets and $233M in deposits, ranking 2,612th of 4,313 FDIC-insured banks by asset size. It is headquartered in Deming, New Mexico.

Is my money safe at First New Mexico Bank?▼

Yes, deposits at First New Mexico Bank (Certificate #18514) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.

What is First New Mexico Bank's Tier 1 Capital Ratio?▼

First New Mexico Bank has a Tier 1 Capital Ratio of 14.53%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.

What is the Texas Ratio for First New Mexico Bank?▼

First New Mexico Bank has a Texas Ratio of 3.04%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.

How efficient is First New Mexico Bank?▼

First New Mexico Bank has an Efficiency Ratio of 44.24%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.

What to do with this

How to read First New Mexico Bank's profile as a depositor or analyst.

First New Mexico Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
Compare First New Mexico Bank 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.