Total Assets
$630M
Total balance-sheet footings
FDIC Cert #35441 · Farmington, New Mexico · Est. 2000
Four Corners Community Bank - FDIC Bank Health Profile
A community-scale look at Four Corners Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $630M
- Total assets
- B
- Health grade · Good
- 1.63%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Four Corners Community Bank earns a PlainBankData health grade of B (65/100), with 9.71% Tier 1 capital, profitable at 1.63% ROA, efficient (50% cost ratio).
- #1,515
- largest of 4,313 FDIC banks by assets
- 65th
- percentile by asset size, nationally
- 9.71%
- Tier 1 ratio - below the 10% well-capitalized line
- 80th
- 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 Four Corners Community Bank's 65/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Four Corners Community Bank's composite health score
Tier 1 Capital Ratio (9.71%) 18/40
Return on Assets (ROA) (1.63%) 25/25
Texas Ratio (15.55%) 10/20
Efficiency Ratio (50.19%) 12/15
65 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$546M
Customer-funded liabilities
Net Loans
$417M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Four Corners Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Four Corners Community Bank's score of 65/100 falls in the highlighted band.
Four Corners Community 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). Four Corners Community Bank's $630M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.71% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.71%
Texas Ratio
15.55%
Equity Capital
$56M
Profitability metrics
Return on Assets (ROA)
80th percentile nationally
1.63%
Return on Equity (ROE)
18.30%
Efficiency Ratio
50.19%
What the numbers say about Four Corners Community Bank
Four Corners Community Bank is an FDIC-insured institution (Certificate #35441) headquartered in Farmington, New Mexico, established in 2000. It holds $630M in total assets - 1,515th of 4,313 FDIC-insured banks, $546M in customer deposits, and $417M in net loans. On safety, its Tier 1 capital ratio of 9.71% is below the 10% well-capitalized threshold, and its Texas Ratio of 15.55% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (65/100), 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, Four Corners Community Bank ranks 10th of 29 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$33M
Interest Income
$3M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Four Corners Community Bank reports a Texas Ratio of 15.55% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.55% - 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) Four Corners Community Bank (FDIC Cert #35441) - 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 Four Corners Community Bank's health grade?▼
Four Corners Community Bank receives a health grade of B (65/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Four Corners Community Bank?▼
Four Corners Community Bank holds $630M in total assets and $546M in deposits, ranking 1,515th of 4,313 FDIC-insured banks by asset size. It is headquartered in Farmington, New Mexico.
Is my money safe at Four Corners Community Bank?▼
Yes, deposits at Four Corners Community Bank (Certificate #35441) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Four Corners Community Bank's Tier 1 Capital Ratio?▼
Four Corners Community Bank has a Tier 1 Capital Ratio of 9.71%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Four Corners Community Bank?▼
Four Corners Community Bank has a Texas Ratio of 15.55%. 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 Four Corners Community Bank?▼
Four Corners Community Bank has an Efficiency Ratio of 50.19%. 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 Four Corners Community Bank's profile as a depositor or analyst.
- Four Corners Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Four Corners Community 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.