First New Mexico Bank of Silver City is a state-chartered bank headquartered in Silver City, New Mexico, in business for about 42 years. At the end of Q2 2026 it reported $147.5M in total assets and $123.8M in deposits, with 4 offices.
First New Mexico Bank of Silver City has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 1st. Its five components are fairly even, ranging from 93 to 99 out of 100.
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 rose 8 points (87 → 95), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 86 |
| Q4 2024 | 84 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 90 |
| Q4 2025 | 92 |
| Q1 2026 | 95 |
| Q2 2026 | 95 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.15% |
| Q3 2024 | 12.30% |
| Q4 2024 | 12.18% |
| Q1 2025 | 12.76% |
| Q2 2025 | 12.89% |
| Q3 2025 | 13.54% |
| Q4 2025 | 13.63% |
| Q1 2026 | 14.14% |
| Q2 2026 | 14.27% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.47% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.70% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.95% |
| Q2 2026 | 1.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 95 | $147.5M | 14.27% | 0.16% | 1.91% | 59.1% |
| Q1 2026 | 95 | $143.8M | 14.14% | 0.10% | 1.95% | 62.7% |
| Q4 2025 | 92 | $147.4M | 13.63% | 0.09% | 1.83% | 65.6% |
| Q3 2025 | 90 | $143.2M | 13.54% | 0.17% | 1.70% | 66.0% |
| Q2 2025 | 87 | $142.2M | 12.89% | 0.17% | 1.53% | 63.6% |
| Q1 2025 | 87 | $137.4M | 12.76% | 0.18% | 1.51% | 64.6% |
| Q4 2024 | 84 | $141.8M | 12.18% | 0.37% | 1.51% | 56.8% |
| Q3 2024 | 86 | $137.0M | 12.30% | 0.20% | 1.47% | 56.5% |
| Q2 2024 | 86 | $135.0M | 12.15% | 0.06% | 1.43% | 58.5% |
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 |
|---|---|---|---|---|---|
| American Heritage BankBank Clovis, NM | 83 out of 100, Strong | $153.2M | 11.1% | 0.22% | vs |
| First New Mexico Bank, Las CrucesBank Las Cruces, NM | 68 out of 100, Moderate | $171.9M | 13.1% | 2.31% | vs |
| Bank of the SouthwestBank Roswell, NM | 64 out of 100, Moderate | $176.3M | 9.4% | 0.73% | vs |
| First State BankBank Socorro, NM | 84 out of 100, Strong | $188.0M | 14.3% | 0.03% | vs |
| Main BankBank Albuquerque, NM | 82 out of 100, Strong | $245.2M | 11.5% | 0.00% | vs |
| First New Mexico BankBank Deming, NM | 91 out of 100, Very strong | $275.1M | 14.7% | 0.16% | vs |
Deposit insurance
Is my money safe at First New Mexico Bank of Silver City?
Yes. First New Mexico Bank of Silver City is an FDIC-insured institution (FDIC certificate #24865). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.3% of deposits ($22.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.27%, 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%).
4 locations
Branches
First New Mexico Bank of Silver City lists 3 offices in 2 cities. Most locations:
- Silver City, NM (2)
- Los Lunas, NM (1)
Identity & history
Profile
- Legal name
- First New Mexico Bank of Silver City
- Former names
- First State Bank of Silver City
- Type
- State-chartered bank
- FDIC certificate #
- 24865
- RSSD ID
- 495558
- Primary regulator
- FDIC
- Holding company
- First Nm Financial Corp
- Established
- January 4, 1984
- Headquarters
- 1928 Highway 180 E, Silver City, NM 88061
- Website
- fnmbsc.com
- Employees
- 35
Quick answers
First New Mexico Bank of Silver City: common questions
Is First New Mexico Bank of Silver City FDIC insured?
Yes. First New Mexico Bank of Silver City is an FDIC-insured institution (FDIC certificate #24865). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First New Mexico Bank of Silver City's TellerScore?
95 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 of Silver City ever failed?
There is no failure record for FDIC certificate #24865 in the FDIC failed bank list.
How many branches does First New Mexico Bank of Silver City have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Silver City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| Western BankBank Lordsburg, NM | 82 out of 100, Strong | $325.9M | 12.2% | 0.64% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| WaFd BankBank Seattle, WA | 61 out of 100, Moderate | $27.6B | 9.2% | 0.63% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |