First American Bank: how it compares with its peers
Against 745 U.S. banks with half to twice its assets, First American Bank's strongest measure in Q2 2026 is return on assets (2.89% vs. a 1.22% peer median). Its weakest relative measure is assets per employee ($7.8M vs. $8.3M).
| Measure | First American Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.89% | 1.22% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.95% | 3.72% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.18% | 60.35% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $8.3M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.30% | 86.65% | Context |
What it means for lending operations
Its efficiency ratio of 40.18% is better than the 60.35% 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
- Bank 7 Oklahoma City, OK · $1.91B
- BTC Bank Bethany, MO · $1.91B
- Fairfield County Bank Ridgefield, CT · $1.92B
- Bank of Bird-in-Hand Bird In Hand, PA · $1.91B
- First Northern Bank of Dixon Dixon, CA · $1.93B
- Whitaker Bank Lexington, KY · $1.93B
Questions about First American Bank
How big is First American Bank?
First American Bank, established in 1903, is headquartered in Artesia, NM. It reported $1.91B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is First American Bank's return on assets?
2.89% annualized in Q2 2026, against a 1.22% median for 745 U.S. banks with half to twice its assets, ahead of 98% of them.
What is First American Bank's efficiency ratio?
40.18% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 60.35%, and lower is better.
Is First American Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 1.1%.
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 U.S. 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.