# FIRST NEW MEXICO BANK
DEMING, NM · FDIC certificate 18514 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $275.1M | |
| Deposits | $230.9M | |
| Loans and leases | $123.7M | |
| Total equity | $40.3M | |
| Loans / deposits | 52.42% (p22 of band) | 73.59% |
| Liquid assets / assets | 51.89% (p80 of band) | |
| Uninsured deposits / deposits | 35.97% (p90 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.73% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -9.80% (p40 of band) | -6.57% |
| AOCI / equity | 0.06% (p88 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 4.07% (p58 of band) | 3.93% |
| Efficiency ratio | 47.31% (p10 of band) | |
| Noncurrent loans | 0.16% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.19% (p92 of band) | |
| Reserve coverage of noncurrent | 1407.25% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 25.20% (p59 of band) | |
| Auto loans | $1.5M (1.24% of loans; DQ 3.12%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 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 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, reserve under noncurrent |  |
| 2017-06 | 0 |  | capital falling, reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | deposits shrinking |  |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | uninsured deposits leaving |  |
| 2019-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 2 | noncurrent p90, reserve under noncurrent | deposits shrinking |
| 2024-03 | 3 | charge-offs p90 |  |
| 2024-06 | 2 |  | charge-offs p90 |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 | charge-offs p90 | capital falling |

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

- 2026-03-02 [Man accused of holding up Deming bank with hatchet appears in court - Albuquerque Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxQemUxVllWSkttOTN2X3Y5N0tRRVhmTDRKRUxNam5Pc0lZc09YMEJlN1J1V0xIQWl1dFVhZV9GSkt4a2JNUU1peHhDN0p1Uy1wNGFKeUhhekhTR1hHUm5vb3BvOHh0Ry1XTnZsa24tdXJDWi0wbEx0c0xfMEN2Q0dqeWFFa0hKNGFhYm1EbVRXWlAxbmJEMG9NRQ?oc=5) · Albuquerque Journal
- 2022-08-04 [Molina earns bank industry top award - Deming Headlight](https://news.google.com/rss/articles/CBMihwFBVV95cUxPb1l2YzRsQW9EeG1fNFZ3aU1ZRkZ2aFNCdC02M3NwMWxRdjcxX1BFVGd3S21BeFgxUlJRV3dBYnJ1Vi1qUFY1MnlYdVQzdUVqSWthbGpvVkc1YTJvM01Ea3FWbTJqWDd3elhFMmk3cC02bmIzZ2ZJVzNnSkZvOE95NWIyLWcwWUU?oc=5) · Deming Headlight
- 2025-07-18 [Real estate lending soars to over $1T in New Mexico, outpacing commercial loans - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNT0JsQzRZSWtWQ05naUI1MFVjbzloa0VaaXpnc3FDdkxvczZSUVVOQ1UzNUNDZmNtbzhEbnJvZ0Z1VENFYldGRGRBbTRLU0h1b2lycmNfRE9ib0o5bVByb0V1VG85TFVvUkFsdUItbTg5b3lyRGxCbFNxT2VuSm5xbTZuSmhXRlVEbVhqZ1dZb25uaGpWdEVIQ0hubWRfVWRZcVVGVw?oc=5) · The Business Journals
- 2025-12-01 [K. L. Nabours Obituary (2025) - Deming, NM - Baca's Funeral Chapels and Mimbres Crematory of Deming - legacy.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5jVnE5cUxiSzg2aGVXWUNITkhsSWs4YnlqS1QwbExSUFJRazRmcVVPalNUVEpiaWI1aEhoaXdJNVY3VTZmVmx3bEJJc19hWnN0aEY3Y195Wlk5VUlpUjFYd0tDVFhQZFFKY3VkcmF2X1hoWFhfazlDd0xESEE?oc=5) · legacy.com
- 2020-12-16 [El Paso woman arrested in suspected forgery scheme in New Mexico - KFOX](https://news.google.com/rss/articles/CBMioAFBVV95cUxOTFhUSHJ6eUc3S3NUcklxenl0VEpRbXJvZGY2Z1JRUWhkWVpsMTc3SExUVUV0RGY3T2x5R0lUQ202Tlc5VzdUUXM4ekJKR1Z0Nnp1UG5XWDRoMlpLS2NFOUY1VGxKTkwxbmNhWE1lSm9VV2E2UTRmLWxRY3NrdGM0eFBNSGxuLUJGa3phVHYwNW9EbjVFZEJFNEdReW12d2sz?oc=5) · KFOX
- 2017-05-30 [First New Mexico Bank celebrates end of year with students - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMixAFBVV95cUxNWUp3MHZRYUp1UWNkWng3YmhlMXhBUkxUczE2ci1RRjkzWlBZcnNVNUJuZlhuYWppMi1zQlVJNzViZ0FielBHVFd5LWUzak84ZXlpT2hYOVNwQzE4a2l3MWlsYVJWbk5pMjU0b1VDVWc4R0luYXdnaWJjX3NpbzhtYU5FQ2JHVXNKTHZKclFZMWpNaVk1czc0QnRZNGc0c2ctR205NnBicTY1X0xqMkRudU5ZU2Z4SHNtMmM0cHQ2eDNaZnND?oc=5) · Las Cruces Sun-News
- 2025-01-02 [New Mexico Bank and Trust Review: Big APYs for Big Balances - GOBankingRates](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcWdBRnJFZ1RQakE0Um9CMlBXeDJYUGtWaXdMbVFJREdWeHVYd3M4eEZ5LWxoNlFmbHdsRS1VUnMyTExfTm50OS1oNFdoZXhVYUptUmdxdVJBWm00NlRxRHhDTGpOV3VZcVRfYzF3VzJZejQtS1A5c1pMR2RJRURrVlhtaw?oc=5) · GOBankingRates
- 2020-12-16 [Las Cruces bank alerts police after El Paso woman attempts to cash forged check - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOa19BSGN3bUc2dkQxbnZiY0NtbUFSS243REZabF9IMXFNUEtjeFllZEdyVEVzWFkyOUZ5bEs5OVhicGlkVTljcHZxeHhnMkk0M2ZzZ1JnaDdLQ3FyRHZkam5VY1M2X2FOeDlwa2RBTnhpWHdWXzlTdHF2UDdoYkVqVnRfWUhNcHRNNU5WWmE2bklNWEFwSldkVmZZTjlEUm1GX2lIanlRc2FhR1NvaF9R?oc=5) · Las Cruces Sun-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18514 (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/18.json (key "18514", 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.

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