First National Bank (FDIC #17643): Bank Stress & Real-Estate Credit Exposure
First National Bank (FDIC Cert #17643): bank stress 80/100, severe, STABLE over 7 days; parent FIRST ALAMOGORDO BCORP NV INC.
First National Bank (#17643) lends in 3 counties across 1 state; First National Bank (#17643) reaches 45 ZIP codes: New Mexico 3 counties, 45 ZIPs.
First National Bank (#17643) largest markets: Lincoln County, NM (18 branches, 18 ZIPs) (#17643), Otero County, NM (72 branches, 18 ZIPs) (#17643), Eddy County, NM (9 branches, 9 ZIPs) (#17643).
First National Bank (#17643) reports $452.8 million in total assets; First National Bank (#17643) equity $25.4 million (5.6% of First National Bank (#17643) assets); First National Bank (#17643) domestic deposits $425.4 million; First National Bank (#17643) net income $2.5 million; First National Bank (#17643) return on assets 1.08%; First National Bank (#17643) return on equity 19.39%; First National Bank (#17643) net interest income $8.9 million; First National Bank (#17643) call report June 30, 2026.
First National Bank (#17643) noncurrent real-estate loans: none reported; First National Bank (#17643) commercial real estate -0.06%; First National Bank (#17643) net charge-offs on real estate 6.65%; First National Bank (#17643) commercial charge-offs 0.31%; First National Bank (#17643) residential charge-offs 6.16%.
First National Bank (#17643) net interest margin 4.08% against an eight-quarter First National Bank (#17643) average of 3.75% (First National Bank (#17643) compression -0.33 points); First National Bank (#17643) commercial real estate 31.1% of equity; First National Bank (#17643) non-residential real estate 615.8% of equity; First National Bank (#17643) rate-exposure score 43/100, First National Bank (#17643) fixed-rate trap 43/100; First National Bank (#17643) risk type credit driven; First National Bank (#17643) rate regime rates elevated, First National Bank (#17643) snapshot October 20, 2026.
First National Bank (#17643) stress score moved from 73.8 on June 22, 2026 to 79.5 on October 20, 2026; First National Bank (#17643) ranged 73.8 to 79.5 over 117 snapshots.
First National Bank (#17643) alerts: 3 counties; top First National Bank (#17643) alert scores: Artesia County, NM 27 (low); Ruidoso County, NM 27 (low); Tularosa County, NM 27 (low).