FIRST NEW MEXICO BANK, LAS CRUCES
LAS CRUCES, NM · Supervised by FDIC
At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Adequate
ROA 1.77%
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$175M
Total Deposits
$149M
Net Loans
$91M
Net Income
$751K
ROA
1.77%
ROE
13.80%
Risk-Based Capital
0.00%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Branch Footprint
Total Branches
3
Branch Deposits
$136M
1-Year Change
0
5-year net change: +1 branches
Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 87 | 45.98% | 41.38% |
| 2023 | 130 | 47.69% | 30.00% |
| 2022 | 196 | 49.49% | 34.69% |
| 2021 | 218 | 61.47% | 25.23% |
| 2020 | 249 | 70.68% | 14.06% |
| 2019 | 291 | 68.73% | 19.59% |
| 2018 | 256 | 64.06% | 18.75% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
Rating History
CRA / FFIECRating Trend
→ StableBased on last 3 exams
2 previous ratings locked — dating back to 2010
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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