First New Mexico Bank of Silver City: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, First New Mexico Bank of Silver City's strongest measure in Q2 2026 is net interest margin (4.90% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.91% | 1.20% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.90% | 3.92% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.68% | 64.17% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.5M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.06% | 76.18% | Context |
What it means for lending operations
Its efficiency ratio of 65.68% is above the 64.17% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mason Bank Mason, TX · $147M
- First Independent Bank Aurora, MO · $148M
- Peoples Bank Co. Altenburg, MO · $148M
- Bank19 Memphis, TX · $148M
- Bank of Pensacola Pensacola, FL · $147M
- Bank of Salem Salem, MO · $147M
Questions about First New Mexico Bank of Silver City
How big is First New Mexico Bank of Silver City?
First New Mexico Bank of Silver City, established in 1984, is headquartered in Silver City, NM. It reported $147M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First New Mexico Bank of Silver City's return on assets?
1.91% annualized in Q2 2026, against a 1.20% median for 999 U.S. banks with half to twice its assets, ahead of 85% of them.
What is First New Mexico Bank of Silver City's efficiency ratio?
65.68% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 64.17%, and lower is better.
Is First New Mexico Bank of Silver City growing its loans?
Net loans shrank 4.5% over the year to Q2 2026, while deposits grew 2.7%.
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.