🏦Bank Scorer

FIRST STATE BANK

SOCORRO, NM · Supervised by FDIC

Est. 1947FDIC #16,600RSSD: FDIC-16600
Part ofBBS CORP→ View all charters
Needs to Improve Same

Current rating · Exam: December 2025

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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 0.90%

Institution Profile

FDIC BankFind

Address

103 Manzanares Ave E, SOCORRO, NM

County

Socorro County

Established

July 1, 1947

Total Assets

$186M(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

December 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$186M

Total Deposits

$159M

Net Loans

$11M

Net Income

$445K

ROA

0.90%

ROE

6.84%

Risk-Based Capital

58.94%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$165M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

10 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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