TellerScore

First New Mexico Bank (FDIC certificate #18514) is based in Deming, New Mexico. Its Q2 2026 call report shows $275.1M in total assets and $230.9M in deposits and 3 offices.

First New Mexico Bank has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 3rd. Capital cushion contributes the most (97/100, 14.73%); funding & liquidity contributes the least (77/100, 52% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.73%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings87/100
Return on assets (annualized): 1.67%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 52.4% · 36.0% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.11%

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 rose 9 points (82 → 91), mostly because the loan quality component improved by 22 points.

TellerScore
607691Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202460
Q1 202567
Q2 202582
Q3 202584
Q4 202581
Q1 202680
Q2 202691
Tier 1 leverage ratio
5.00%9.87%14.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.30%
Q3 202413.62%
Q4 202413.55%
Q1 202513.80%
Q2 202514.35%
Q3 202514.73%
Q4 202514.53%
Q1 202614.51%
Q2 202614.73%
Noncurrent loans
0.16%2.08%4.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20244.00%
Q3 20243.77%
Q4 20243.76%
Q1 20252.30%
Q2 20250.82%
Q3 20250.76%
Q4 20251.02%
Q1 20261.30%
Q2 20260.16%
Return on assets
1.32%1.51%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.43%
Q4 20241.46%
Q1 20251.32%
Q2 20251.37%
Q3 20251.45%
Q4 20251.55%
Q1 20261.71%
Q2 20261.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$275.1M14.73%0.16%1.67%52.4%
Q1 202680$274.4M14.51%1.30%1.71%53.3%
Q4 202581$276.2M14.53%1.02%1.55%52.3%
Q3 202584$264.2M14.73%0.76%1.45%53.9%
Q2 202582$258.4M14.35%0.82%1.37%56.9%
Q1 202567$267.2M13.80%2.30%1.32%55.0%
Q4 202460$266.1M13.55%3.76%1.46%54.6%
Q3 202461$262.8M13.62%3.77%1.43%55.5%
Q2 202460$263.7M13.30%4.00%1.38%48.4%

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).

Capital ratio14.73%
85th
Total risk-based capital0.00%
24th
Problem loans0.16%
69th
Net charge-offs0.41%
6th
Return on assets1.67%
74th
Net interest margin4.07%
57th
Efficiency ratio47.3%
88th
Loans to deposits52.4%
90th
Uninsured deposits36.0%
15th
Loan-loss reserves2.19%
95th
Texas ratio5.1%
35th

Similar-size banks in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Community 1st Bank Las VegasBank Las Vegas, NM81 out of 100, Strong$293.9M10.0%0.03%vs
Valley Bank of CommerceBank Roswell, NM64 out of 100, Moderate$304.1M14.5%3.32%vs
Main BankBank Albuquerque, NM82 out of 100, Strong$245.2M11.5%0.00%vs
Western BankBank Lordsburg, NM82 out of 100, Strong$325.9M12.2%0.64%vs
Western BankBank Artesia, NM81 out of 100, Strong$350.5M11.1%0.00%vs
First State BankBank Socorro, NM84 out of 100, Strong$188.0M14.3%0.03%vs

Deposit insurance

Is my money safe at First New Mexico Bank?

Yes. First New Mexico Bank is an FDIC-insured institution (FDIC certificate #18514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.0% of deposits ($83.0M) 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 14.73%, 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%).

Check how much of your own balance is covered

3 locations

Branches

First New Mexico Bank lists 1 office in 1 city. Most locations:

  • Deming, NM (1)

All branch addresses and map

Identity & history

Profile

Legal name
First New Mexico Bank
Former names
Deming National Bank
Type
State-chartered bank
FDIC certificate #
18514
RSSD ID
712956
Primary regulator
FDIC
Holding company
First Nm Financial Corp
Established
April 30, 1962
Headquarters
300 S Gold Ave, Deming, NM 88030
Employees
32

Quick answers

First New Mexico Bank: common questions

Is First New Mexico Bank FDIC insured?

Yes. First New Mexico Bank is an FDIC-insured institution (FDIC certificate #18514). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First New Mexico Bank's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First New Mexico Bank ever failed?

There is no failure record for FDIC certificate #18514 in the FDIC failed bank list.

How many branches does First New Mexico Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Deming

InstitutionScoreAssetsCapitalProblem loansCompare
Deming Schools Employees Credit UnionCredit union Deming, NM88 out of 100, Very strong$5.4M24.8%0.11%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs