FDIC Cert #29059 · Tucumcari, New Mexico · Est. 1934

Tucumcari Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Tucumcari Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$37M
Total assets
B
Health grade · Good
0.27%
Return on assets
15.8%
Tier 1 capital

Data updated July 2026

The verdict

Tucumcari Federal Savings and Loan Association earns a PlainBankData health grade of B (67/100), with well-capitalized at 15.84% Tier 1, 0.27% ROA, 92% efficiency ratio.

#4,207
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
15.84%
Tier 1 ratio - above the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 29059 · NM B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3308/4307
  • PHOTO-FINISH Liberty Bank for Sav… · IL
  • TIER1-WELL 15.8% Tier 1
  • TEXAS-CLEAN 4.3% Texas
  • ROA-THIN 0.27% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: Liberty Bank for Savings, IL (±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 Tucumcari Federal Savings and Loan As…

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

Morgan Stanley Bank,… · UT ·…100/100Arlo Bank · MO · near67/100Fox Valley Savings B… · WI ·…67/100Liberty Bank for Sav… · IL ·…67/100Tucumcari Federal Sa… · NM ·…67/100Washington Savings B… · IL ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Tucumcari Federal Savings and Loan As… · July 2026

What Tucumcari Federal Savings and Loan As…'s Call Report plate shows

Tucumcari Federal Savings and Loan Association (FDIC Cert #29059) carries a PlainBankData health grade of B at 67/100, 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 #3,308 of 4,307. Tier 1 capital prints at 15.84%, clearing the 10% well-capitalized line. The Texas Ratio is 4.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.27%. Balance-sheet scale is $37M, 4,207th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Liberty Bank for Savings (IL), 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 Tucumcari Federal Savings and Loan As…

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

Tucumcari Federal Savings and Loan Association'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; Tucumcari Federal Savings and Loan Association 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 Tucumcari Federal Savings and Loan Association's 67/100 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 avg77/10067/100
Tucumcari Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (15.84%) 40/40
Return on Assets (ROA) (0.27%) 7/25
Texas Ratio (4.30%) 20/20
Efficiency Ratio (91.96%) 0/15

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

Balance sheet at a glance

Total Assets

$37M

Total balance-sheet footings

Total Deposits

$27M

Customer-funded liabilities

Net Loans

$26M

Outstanding loan book

Net Income

$99K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.44% 15.84% 17.24%
Basel III capital ratios - Tucumcari Federal Savings and Loan Association

Where Tucumcari Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Tucumcari Federal Savings and Loan Association's score of 67/100 falls in the highlighted band.

Tucumcari Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 23rd percentile higher than 23% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Tucumcari Federal Savings and Loan As… 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

Tucumcari Federal Savings and Loan Association'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). Tucumcari Federal Savings and Loan Association's $37M falls in the highlighted band.

Safety ratios for Tucumcari Federal Savings and Loan As…

Tier 1 capital ratio
Well-capitalized 10%

15.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.84%
Texas Ratio
4.30%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Tucumcari Federal Savings and Loan As…

Return on Assets (ROA)
9th percentile nationally
0.27%
Return on Equity (ROE)
1.73%
Efficiency Ratio
91.96%

What these mean →

Income & expense at Tucumcari Federal Savings and Loan As…

$2M
Interest Income
$36K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Tucumcari Federal Savings and Loan Association reports a Texas Ratio of 4.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Tucumcari Federal Savings and Loan Association 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 ($37M here), outside New Mexico so the neighborhood is not state containment.

The First National Bank at St. James $37M · MN State Bank of Nauvoo $37M · IL Cottonwood Valley Bank $37M · KS Farmers State Bank of Emden $37M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Tucumcari Federal Savings and Loan Association (FDIC Cert #29059) - 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.

Tucumcari Federal Savings and Loan Association 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%