# CITY BANK NEW MEXICO
RUIDOSO, NM · FDIC certificate 57302 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $114.6M | |
| Deposits | $101.5M | |
| Loans and leases | $56.2M | |
| Total equity | $12.4M | |
| Loans / deposits | 54.05% (p25 of band) | 70.22% |
| Liquid assets / assets | 44.88% (p69 of band) | |
| Uninsured deposits / deposits | 12.17% (p49 of band) | 12.36% |
| Brokered deposits | 4.15% | |
| Wholesale funding | 4.15% (p63 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.03% (p60 of band) | 10.41% |
| Unrealized securities loss / equity | 6.39% (p94 of band) | 0.24% |
| AOCI / equity | 0.60% (p36 of band) | |
| ROA (annualized) | 0.69% (p44 of band) | 0.79% |
| Net interest margin | 3.74% (p57 of band) | 3.62% |
| Efficiency ratio | 82.78% (p70 of band) | |
| Noncurrent loans | 4.24% (p91 of band) | 0.88% |
| Net charge-offs (annualized) | 0.02% (p52 of band) | |
| Reserve coverage of noncurrent | 57.72% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 36.83% (p74 of band) | |
| Auto loans | $398,000 (0.71% of loans; DQ 0.75%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | noncurrent p90, reserve under noncurrent |  |

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

- 2020-02-11 [Battling cancer like a wildfire - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZEkwUmZXUV9KdmluQUZDZjRIRi0xSmoybFgydkhFeVcyLWRlYnl6MjZaRmFGNUxiM0wxbGpLaGJRQVBiYWFwUldJWHJSX2lkdll5VnJ6aWx3WmE0V0FjWVpZMjhXM0VOUHprWmZnMXFCbldYOGpDRm5jd1lJelB3Z0toS3FtRWsteVdreWg1RFBRUk0z?oc=5) · Las Cruces Sun-News
- 2017-12-26 [Meet the Leadership Lincoln class of 2017-2018 - USA Today](https://news.google.com/rss/articles/CBMiswFBVV95cUxOTlJDTWhhNlQ3TmtDaTh2TmtJNU55RFRPeTc4Y29EMU1iY2VFT1BPMVgzb2xjWjU5UXB0cHZlbnZFQzVMWUZtTkFwdkRtTVNRc056V3VuN2NXdE5wWHB4VTF5eE5QTXpta0NnaUVKOTVUdEJQTnI1WVFFLWYwSXphWTNCS3dEUjNYeW5Dcl9IcEJOM3dtVmNfazBZV3Z6eDlpd184Z2JDczJ2R0tGZ21GQW90WQ?oc=5) · USA Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57302 (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/22.json (key "57302", 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