Four Corners Community Bank: how it compares with its peers
Against 13 NM banks with half to twice its assets, Four Corners Community Bank's strongest measure in Q2 2026 is efficiency ratio (52.30% vs. a 52.89% peer median). Its weakest relative measure is return on assets (2.06% vs. 2.08%).
| Measure | Four Corners Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.06% | 2.08% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 4.50% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.30% | 52.89% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.8M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.82% | 55.18% | Context |
What it means for lending operations
Its efficiency ratio of 52.30% is better than the 52.89% 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
- Lea County State Bank Hobbs, NM · $738M
- The Citizens Bank Farmington, NM · $804M
- The Citizens Bank of Clovis Clovis, NM · $493M
- Southwest Capital Bank Albuquerque, NM · $483M
- Western Commerce Bank Carlsbad, NM · $864M
- First National Bank Alamogordo, NM · $453M
Questions about Four Corners Community Bank
How big is Four Corners Community Bank?
Four Corners Community Bank, established in 2000, is headquartered in Farmington, NM. It reported $662M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Four Corners Community Bank's return on assets?
2.06% annualized in Q2 2026, against a 2.08% median for 13 NM banks with half to twice its assets, ahead of 38% of them.
What is Four Corners Community Bank's efficiency ratio?
52.30% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 52.89%, and lower is better.
Is Four Corners Community Bank growing its loans?
Net loans grew 23.0% over the year to Q2 2026, while deposits grew 14.2%.
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.