🏦Bank Scorer

FOUR CORNERS COMMUNITY BANK

FARMINGTON, NM · Supervised by FDIC

Est. 2000FDIC #35,441RSSD: FDIC-35441
Part ofMESA WEST BCORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.31%

Institution Profile

FDIC BankFind

Address

500 W Main St, FARMINGTON, NM

County

San Juan County

Established

March 1, 2000

Total Assets

$632M(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 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$632M

Total Deposits

$545M

Net Loans

$416M

Net Income

$4M

ROA

2.31%

ROE

25.92%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate14.06%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$498M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20196468.75%14.06%
20186857.35%29.41%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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