# FNB NEW MEXICO
CLAYTON, NM · FDIC certificate 19027 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $243.1M | |
| Deposits | $216.8M | |
| Loans and leases | $188.1M | |
| Total equity | $23.1M | |
| Loans / deposits | 85.65% (p67 of band) | 77.79% |
| Liquid assets / assets | 14.53% (p12 of band) | |
| Uninsured deposits / deposits | 24.19% (p79 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.94% (p10 of band) | 11.56% |
| Unrealized securities loss / equity | 0.00% (p17 of band) | 0.80% |
| AOCI / equity | 6.30% (p82 of band) | |
| ROA (annualized) | -0.13% (p5 of band) | 1.05% |
| Net interest margin | 4.68% (p89 of band) | 3.84% |
| Efficiency ratio | 103.32% (p96 of band) | |
| Noncurrent loans | 1.07% (p68 of band) | 0.56% |
| Net charge-offs (annualized) | 0.05% (p70 of band) | |
| Reserve coverage of noncurrent | 117.24% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 4.69% (p29 of band) | |
| Auto loans | $2.2M (1.16% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $1.1M (5% of equity) (p98 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 3 | capital falling, losing money, expense ratio p90 |  |

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

- 2021-02-23 [New Mexico Bank & Trust Completes Acquisition of FNB New Mexico - Los Alamos Reporter](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbHBDTXVib2J1c3IyYnc3VEFtMTdlc05qcUFIbVVQN0VBZGJaVFVfVE5FcjdBVkRDYlhfWnA5WlhERUd1N1ZXTlh6R2Vva1J0Q3pXNmtRa2sxTDE0ZndvMEpiVmxORUJzMk1VOVlSdmtVdTlDMFlwRTM1TEdzT3RvRGRCQk9PSktYUVNRQWNLRGtyZEt3RDZrUHlLaWt5QXBVbkZQTER3?oc=5) · Los Alamos Reporter
- 2021-02-23 [NM Bank & Trust Acquires FNB NM - KRTN](https://news.google.com/rss/articles/CBMicEFVX3lxTE9kNnpXTFRZaks1ejh6ZWlabTJuVDZxanNzb08xZy0xLTFlY0E0QmxZeUcyNmdQWmhkd2pxWjZaclI3VFVLMGdubTBYUFVkdDRsVnBOeXVqODFRcm9QakF3ZXdSRFZxeXJmWDd0WWdCSDM?oc=5) · KRTN
- 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
- 2020-02-11 [Parent Company of FNB New Mexico, AimBank, Announces Plans to Merge - KRTN](https://news.google.com/rss/articles/CBMioAFBVV95cUxNNU1uclV6SkZ6dUg2U00za2otY1ZyeTZMM25mcm9xMjF3TDVxdTA2dnUtLVJOYzhSdjFhQmQ4eXhiUGpzdkF2bjRTT3JSWXdRVkI1dVF6a0xxR2tGYkx0SmdJbXFTVVJJbzM3a1hTQzdQZk5GLTBYRHkxdmdDeEZsTmlXb19QU0xNQTg0T3V0TWVnYnk4S0hVNXNMdTFrdk9R?oc=5) · KRTN
- 2021-08-12 [Reward Increased For Suspected New Mexico Serial Bank Robber - Los Alamos Reporter](https://news.google.com/rss/articles/CBMipAFBVV95cUxOYWhQa1NjZWo0TGtBRzE4RDhIVHB5MVplNTFFZm9ra0x5Yi1lSE51a005aXVCbWpZUDlCYnlhV2x3SUVkQ25OOVp2ZmN6LVNqbFdaRjdLWE1DMEM2SEd5eGVqZ1ljREVfRlY0U2k3Z3JKS0lWbUF2V1lxZTBLVy1PWWtCOWFmaDV4VUozemRqRGpKS1Z2S19kSks2YTFSdmtURmxrbw?oc=5) · Los Alamos Reporter
- 2018-07-05 [Calling Clayton Home - New Mexico Magazine](https://news.google.com/rss/articles/CBMic0FVX3lxTE1UMnhuX1FSZDBzWlM5OENwS3ZIME9GRlZiWTNxc2NwdjNXbk9HUXVtekJSck44M1F4d2J6MmtLY29fWXN0WkZxeGlxZlAwbThwTnNqN0lHTmxYQXFoSXZ3QndDd2Q1eDBtS21oQkZ5N01Gb3M?oc=5) · New Mexico Magazine
- 2020-01-13 [27th Annual Fish Fest and 1st Annual Pike Round Up Eagle Nest - KRTN](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdFl4c1dwZ0FVdUktdTRPSXJzdW4tcUphaXN2N2dfVFhrUUlFVlRjMHdJdDF2WEstSmh6MExkZDZNS0VlS0s3OXdIRVktZnhvM0ZHM3ZVbENqcDQtUFp4Y3B1TXRQaWc0cTFJdEZURXNjVWo0TW5SUmJ3azU2ZmZUVWVKM3habXFyNmd0WnduZlI5TnVI?oc=5) · KRTN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19027 (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/19.json (key "19027", 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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