# BANK OF NEW MEXICO
GRANTS, NM · FDIC certificate 16590 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $154.9M | |
| Deposits | $139.7M | |
| Loans and leases | $71.7M | |
| Total equity | $14.7M | |
| Loans / deposits | 50.45% (p15 of band) | 76.78% |
| Liquid assets / assets | 49.91% (p82 of band) | |
| Uninsured deposits / deposits | 23.12% (p78 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.21% (p5 of band) | 11.19% |
| Unrealized securities loss / equity | -1.17% (p65 of band) | -2.38% |
| AOCI / equity | -2.68% (p28 of band) | |
| ROA (annualized) | 1.16% (p61 of band) | 1.00% |
| Net interest margin | 3.85% (p55 of band) | 3.78% |
| Efficiency ratio | 71.42% (p54 of band) | |
| Noncurrent loans | 1.51% (p76 of band) | 0.57% |
| Net charge-offs (annualized) | 0.16% (p89 of band) | |
| Reserve coverage of noncurrent | 109.69% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 28.12% (p63 of band) | |
| Auto loans | $1.8M (2.52% of loans; DQ 2.77%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | deposits shrinking, assets shrinking |  |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-06 [Okla. bank pounces on court-ordered sale of shares in N.M. rival - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxPTXU2c3N6eTBSUkRXTlRWbjdEM3RVTmZudXRoR1JDbmdMaFlzMEZfUlVjWE9icTlwLXA5SndSUWx0WHFtQWlEc1V1X2lhVVVobXl2cHJMM0xCNUF6akRfQ3M2NWozMXd1QjE4eG11alMzNWVfUnltQkk1MExkQl9mMnhTZl94cjF5Y3RFSEdhTlhKYlBDdkVPbmtUaE1wa28?oc=5) · American Banker
- 2026-07-23 [Bank of Albuquerque donates $10,000 to Roadrunner Food Bank of New Mexico - Albuquerque Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNY3RKbVZEcXFCb0pNTk5IazA5WmhYZG1VN2c5MWVtaGVjc09UZ0pielNWYnJSNXNTS1Z5bWZwXzVUZXVac1Brbkt0RDhlNXRxcjFWMkhXcnhhWDFWNEREWm1ETTFsQVd3RHJTOUljM2c5Q2MxbUl6TWJHZFlQaU1JNnZrYzAxYlFTRUdfZE85bVNzaVpPb1dBQlRyYTM?oc=5) · Albuquerque Journal
- 2020-06-18 [40 Years Feeding America with Roadrunner Food Bank of New Mexico - KRWG Public Media](https://news.google.com/rss/articles/CBMipwFBVV95cUxQdnlJR1h1eWh5TFlaQ0l2ck1GWS1pMzBfcXVaTVU2Wnl3RnNOdGFHVkpNdE5HRGQyRnRRVWs4SzB3cE1DSVdqYjVrRUpGdmJKRnIzUHEyNkl1NlBsSzZnNWdHcFJwV0h6dURIWFp2eGtTYy1XUU9PbG1IOEpEU21KV3hXUGF2ajl2YTRPaHdfZFNzR2hJTlo4RmgxMmpibFdvdWNTRlpWOA?oc=5) · KRWG Public Media
- 2015-04-28 [Another New Mexico bank changes its name, launches new branding - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPTDQ2THF4ODRqR2NfN2ZGdU41VFBBUTZEUG81SW1pdEF3bURLdXlVbXM1ZUowNGZHbHlmdXFiSWw1SlVCNW1qajQ5TDA2Yi11VUhINGQ1S0RFbXZZR2ZXS2F1U0V5UWRicFhmQnhKcFRGZFo0cUJKVTBVaVRiMlU2MmFYWV9EREsxRGUxb2VTdUxMR0QtRFNHTHZXV3pfM0FzN0hQZkJodHQzY2tPdVlJ?oc=5) · The Business Journals
- 2023-11-30 [Invites Albuquerque, NM Community to Celebrate Grand Re-Opening at New Location on December 14, 2023 - Natural Grocers Investor Relations](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNckQ3cEpqUnhmYkg4dVdVZkNWbzh5eVNvVW1wR2RkbjE1QklZb2szbk54QjdzMjNfZDBoTEZHSWZ2UFFkTjFvdmk2dVk2WHg2d1RkRXQxZnAyRlFJS2dTNHdZQkk2S2syeURhSlJmY2NqcDNqUXFfbWRFT0dTWVZTQzBsYzU0azRzSktLZXZJZlpaWjRRdkhVTTZqb0Z2Y1k1QjE5VlFHMjY2TjBmSmF2bmw5RFVUbzZhNDgwVHgyNFRUeGUySUU1b1NSLVowYkxldEt6aWxTaFdtaGRmcDBiSkNqMlk4UkpkcVQtNEpRdG1hSndZV09HYlJR?oc=5) · Natural Grocers Investor Relations
- 2025-06-04 [Proposed SNAP cuts would impact 450,000 New Mexicans - nmpoliticalreport.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOWThWMDgtTXJmVjhzcDJ1NFFvY2ZqR1NUQzluSVRrb2tRbHQ3SDhOVmhnVHlaVmNqTWRTZGw0N2VuNjg1OUtxaXNnYXY5YjF4S1dXR3h2c3Bnb1ExMkdveDg0Mk5CWGZ1dkc4MXBMVW9BcG1VR1I0dUY3ZXBUb2FnOE95MTZHM1gyQXhaWlcwWWRwSUNuckV6Mw?oc=5) · nmpoliticalreport.com
- 2017-06-03 [William "Bill" Fortune Wood Obituary June 3, 2017 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiakFVX3lxTE1kdUowZzNqR3IycWZTb25qRkdjMkl2blozVGp5VEVqU0o3eVRhcjBubXhQV2FTXzdQNzdUMUJOUEtrV1lCWUhzbGNCRzhGVkFpVElENnlFbDRwTmZIYm9Kb0pzUU10MXpmQkE?oc=5) · French Funerals &amp; Cremations
- 2009-07-11 [James Hammer Obituary (2009) - Tucumcari, NM - Quay County Sun - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQREluY3J2SUhIdHlLM0JmaFQ5RWsyNDFxN084cW9yWWZCNVNYTFJYUUVBY2wtS19kSTJvUkd5NFhJN0NVX2JfVVNNd2F5UjdkanZLeE9MZ2g2SjN0aC1JRTBOSVdkTXJpSWk3VC0wZ0xsajZlZTBUUjdUVXVmN2RXbXZxWWkzenUtWnJCbFNqX2g?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16590 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "16590", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide