This institution is no longer active

Operations ceased on August 18, 2023. CRA examination history below reflects the period it was active.

NEW MEXICO BANK & TRUST

ALBUQUERQUE, NM · Supervised by FDIC

Est. 1998FDIC #34,726RSSD: FDIC-34726

Part ofHEARTLAND FINANCIAL USA INC→ View all charters

Satisfactory Same

Current rating · Exam: October 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.47%

Is this bank safe?

NEW MEXICO BANK & TRUST holds a Satisfactory CRA rating (2019), is financially strong (ROA +1.47%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

320 Gold Ave Sw, ALBUQUERQUE, NM

County

Bernalillo County

Established

May 4, 1998

Total Assets

$2.6B(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

October 1, 2019

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2023Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.4B

Net Loans

$1.3B

Net Income

$19M

ROA

1.47%

Above avg for Community banks. Peer avg: 0.90%

ROE

22.44%

Risk-Based Capital

14.85%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA1.47%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.85%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate28.87%Peer avg: 10.20%▲ More than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	142	64.08%	28.87%
2021	221	59.73%	25.34%
2020	36	80.56%	0.00%
2019	71	61.97%	22.54%
2018	89	80.9%	10.11%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2019	Satisfactory	Large Bank
Nov 2015	Satisfactory	Intermediate Small Bank
Nov 2012	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 2000

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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