Headquartered in Alamogordo, New Mexico, First National Bank is a national bank with $452.8M in total assets and $425.4M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1956.
First National Bank has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 29th. Funding & liquidity contributes the most (77/100, 51% loans-to-deposits, 36% uninsured); loan quality contributes the least (0/100, 5.29%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 16 points (58 → 42), mostly because the problem-loan coverage component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 53 |
| Q4 2024 | 46 |
| Q1 2025 | 48 |
| Q2 2025 | 58 |
| Q3 2025 | 60 |
| Q4 2025 | 56 |
| Q1 2026 | 52 |
| Q2 2026 | 42 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.52% |
| Q3 2024 | 9.87% |
| Q4 2024 | 9.70% |
| Q1 2025 | 9.86% |
| Q2 2025 | 10.31% |
| Q3 2025 | 10.33% |
| Q4 2025 | 10.26% |
| Q1 2026 | 10.15% |
| Q2 2026 | 10.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 2.22% |
| Q4 2024 | 2.66% |
| Q1 2025 | 2.63% |
| Q2 2025 | 2.19% |
| Q3 2025 | 2.05% |
| Q4 2025 | 2.38% |
| Q1 2026 | 2.49% |
| Q2 2026 | 5.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.17% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.66% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $452.8M | 10.31% | 5.29% | 1.08% | 50.7% |
| Q1 2026 | 52 | $464.5M | 10.15% | 2.49% | 1.34% | 49.4% |
| Q4 2025 | 56 | $470.3M | 10.26% | 2.38% | 1.62% | 49.3% |
| Q3 2025 | 60 | $458.4M | 10.33% | 2.05% | 1.66% | 49.1% |
| Q2 2025 | 58 | $458.0M | 10.31% | 2.19% | 1.77% | 48.3% |
| Q1 2025 | 48 | $467.1M | 9.86% | 2.63% | 1.22% | 47.3% |
| Q4 2024 | 46 | $473.7M | 9.70% | 2.66% | 1.20% | 45.6% |
| Q3 2024 | 53 | $486.9M | 9.87% | 2.22% | 1.16% | 44.4% |
| Q2 2024 | 69 | $460.5M | 10.52% | 0.79% | 1.17% | 45.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |
| The Bank of ClovisBank Clovis, NM | 76 out of 100, Strong | $438.4M | 10.8% | 0.25% | vs |
| Centinel Bank of TaosBank Taos, NM | 79 out of 100, Strong | $424.8M | 9.2% | 0.00% | vs |
| Southwest Capital BankBank Albuquerque, NM | 61 out of 100, Moderate | $482.9M | 10.8% | 1.66% | vs |
| The Citizens Bank of ClovisBank Clovis, NM | 80 out of 100, Strong | $493.1M | 12.2% | 0.04% | vs |
| Western BankBank Artesia, NM | 81 out of 100, Strong | $350.5M | 11.1% | 0.00% | vs |
Deposit insurance
Is my money safe at First National Bank?
Yes. First National Bank is an FDIC-insured institution (FDIC certificate #17643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.9% of deposits ($152.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
First National Bank lists 5 offices in 5 cities. Most locations:
- Alamogordo, NM (1)
- Artesia, NM (1)
- Cloudcroft, NM (1)
- Ruidoso, NM (1)
- Tularosa, NM (1)
Identity & history
Profile
- Legal name
- First National Bank
- Former names
- First National Bank in Alamogordo
- Type
- National bank
- FDIC certificate #
- 17643
- RSSD ID
- 823450
- Primary regulator
- OCC
- Holding company
- First Alamogordo Bcorp Nv Inc
- Established
- August 23, 1956
- Headquarters
- 414 10th St, Alamogordo, NM 88310
- Website
- www.fnb4u.com
- Employees
- 91
Quick answers
First National Bank: common questions
Is First National Bank FDIC insured?
Yes. First National Bank is an FDIC-insured institution (FDIC certificate #17643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First National Bank's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First National Bank ever failed?
There is no failure record for FDIC certificate #17643 in the FDIC failed bank list.
How many branches does First National Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Alamogordo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Otero Federal Credit UnionCredit union Alamogordo, NM | 95 out of 100, Very strong | $535.3M | 15.5% | 0.26% | vs |
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| Southwest Heritage BankBank Scottsdale, AZ | 73 out of 100, Strong | $892.8M | 13.4% | 0.67% | vs |
| Pioneer BankBank Roswell, NM | 73 out of 100, Strong | $1.1B | 12.3% | 1.71% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |