Main Bank: how it compares with its peers
Against 15 NM banks with half to twice its assets, Main Bank's strongest measure in Q2 2026 is assets per employee ($11.1M vs. a $7.0M peer median). Its weakest relative measure is net interest margin (4.40% vs. 4.51%).
| Measure | Main Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.10% | 1.85% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 4.51% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.49% | 57.01% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.1M | $7.0M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.85% | 54.05% | Context |
What it means for lending operations
Its efficiency ratio of 51.49% is better than the 57.01% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First New Mexico Bank Deming, NM · $275M
- Community 1st Bank Las Vegas Las Vegas, NM · $294M
- First State Bank Socorro, NM · $188M
- Valley Bank of Commerce Roswell, NM · $304M
- Bank of the Southwest Roswell, NM · $176M
- First New Mexico Bank, Las Cruces Las Cruces, NM · $172M
Questions about Main Bank
How big is Main Bank?
Main Bank, established in 1975, is headquartered in Albuquerque, NM. It reported $245M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Main Bank's return on assets?
2.10% annualized in Q2 2026, against a 1.85% median for 15 NM banks with half to twice its assets, ahead of 73% of them.
What is Main Bank's efficiency ratio?
51.49% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 57.01%, and lower is better.
Is Main Bank growing its loans?
Net loans shrank 1.5% over the year to Q2 2026, while deposits grew 2.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.