Total Assets
$147M
Total balance-sheet footings
FDIC Cert #24865 · Silver City, New Mexico · Est. 1984
First New Mexico Bank of Silver City - FDIC Bank Health Profile
A community-scale look at First New Mexico Bank of Silver City's own numbers, pulled straight from its quarterly FDIC Call Report.
- $147M
- Total assets
- A
- Health grade · Excellent
- 1.83%
- Return on assets
- 13.6%
- Tier 1 capital
Data updated July 2026
The verdict
First New Mexico Bank of Silver City earns a PlainBankData health grade of A (92/100), with well-capitalized at 13.63% Tier 1, profitable at 1.83% ROA, efficient (56% cost ratio).
- #3,372
- largest of 4,313 FDIC banks by assets
- 22nd
- percentile by asset size, nationally
- 13.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 86th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First New Mexico Bank of Silver City's 92/100 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 of Silver City's composite health score
Tier 1 Capital Ratio (13.63%) 35/40
Return on Assets (ROA) (1.83%) 25/25
Texas Ratio (0.35%) 20/20
Efficiency Ratio (56.29%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$125M
Customer-funded liabilities
Net Loans
$82M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First New Mexico Bank of Silver City ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First New Mexico Bank of Silver City's score of 92/100 falls in the highlighted band.
First New Mexico Bank of Silver City'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 of Silver City's $147M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.63%
Texas Ratio
0.35%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
86th percentile nationally
1.83%
Return on Equity (ROE)
14.28%
Efficiency Ratio
56.29%
What the numbers say about First New Mexico Bank of Silver City
First New Mexico Bank of Silver City is an FDIC-insured institution (Certificate #24865) headquartered in Silver City, New Mexico, established in 1984. It holds $147M in total assets - 3,372nd of 4,313 FDIC-insured banks, $125M in customer deposits, and $82M in net loans. Looking at capital strength, Tier 1 stands at 13.63%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.35%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), 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.
By assets, First New Mexico Bank of Silver City ranks 26th of 29 banks based in New Mexico -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$8M
Interest Income
$358K
Non-Interest Income
$4M
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 of Silver City reports a Texas Ratio of 0.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.35% - 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) First New Mexico Bank of Silver City (FDIC Cert #24865) - 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 First New Mexico Bank of Silver City's health grade?▼
First New Mexico Bank of Silver City receives a health grade of A (92/100) 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 of Silver City?▼
First New Mexico Bank of Silver City holds $147M in total assets and $125M in deposits, ranking 3,372nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Silver City, New Mexico.
Is my money safe at First New Mexico Bank of Silver City?▼
Yes, deposits at First New Mexico Bank of Silver City (Certificate #24865) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First New Mexico Bank of Silver City's Tier 1 Capital Ratio?▼
First New Mexico Bank of Silver City has a Tier 1 Capital Ratio of 13.63%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First New Mexico Bank of Silver City?▼
First New Mexico Bank of Silver City has a Texas Ratio of 0.35%. 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 of Silver City?▼
First New Mexico Bank of Silver City has an Efficiency Ratio of 56.29%. 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 of Silver City's profile as a depositor or analyst.
- First New Mexico Bank of Silver City's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First New Mexico Bank of Silver City 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.