FIRST NATIONAL BANK

ALAMOGORDO, NM · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1956FDIC #17,643

Satisfactory Down

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.34%

Institution Profile

FDIC BankFind

Website

www.fnb4u.com

Address

414 10th St, ALAMOGORDO, NM

County

Otero County

Established

August 23, 1956

Total Assets

$465M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 23, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$465M

Total Deposits

$436M

Net Loans

$216M

Net Income

$2M

ROA

1.34%

Above avg for Small banks. Peer avg: 0.44%

ROE

23.89%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.34%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.02%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$437M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	2,233	79.85%	8.02%
2020	5,455	82.79%	6.36%
2019	3,329	82.31%	6.61%
2018	3,764	80.79%	8.45%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 2025	Satisfactory	Intermediate Small Bank
Aug 2022	Outstanding	Intermediate Small Bank
Aug 2019	Outstanding	Intermediate Small Bank

5 previous ratings locked — back to 1996

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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