🏦Bank Scorer

FIRST NEW MEXICO BANK OF SILVER CITY

SILVER CITY, NM · Supervised by FDIC

Est. 1984FDIC #24,865RSSD: FDIC-24865
Part ofFIRST NM FINANCIAL CORP→ View all charters
Needs to Improve Down

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.95%

Institution Profile

FDIC BankFind

Website

fnmbsc.com

Address

1928 Highway 180 E, SILVER CITY, NM

County

Grant County

Established

January 4, 1984

Total Assets

$144M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

November 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$144M

Total Deposits

$121M

Net Loans

$76M

Net Income

$710K

ROA

1.95%

ROE

14.20%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$120M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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