RANKING ·
Lowest efficiency ratio in New Mexico
27 of 29 banks in New Mexico that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Valley Bank of Commerce | Roswell, NM | 38.9% | $304 million |
| 2 | Western Commerce Bank | Carlsbad, NM | 40.3% | $864 million |
| 3 | Western Bank, Artesia, New Mexico | Artesia, NM | 40.5% | $350 million |
| 4 | First American Bank | Artesia, NM | 42.8% | $1.9 billion |
| 5 | First New Mexico Bank | Deming, NM | 46.3% | $275 million |
| 6 | Pioneer Bank | Roswell, NM | 46.6% | $1.1 billion |
| 7 | American Heritage Bank | Clovis, NM | 46.9% | $153 million |
| 8 | Community 1st Bank Las Vegas | Las Vegas, NM | 47.0% | $294 million |
| 9 | Centinel Bank of Taos | Taos, NM | 47.6% | $425 million |
| 10 | Cnb Bank | Carlsbad, NM | 48.2% | $1.1 billion |
| 11 | Lea County State Bank | Hobbs, NM | 50.0% | $738 million |
| 12 | The Citizens Bank | Farmington, NM | 51.1% | $804 million |
| 13 | Main Bank | Albuquerque, NM | 51.3% | $245 million |
| 14 | Citizens Bank of Las Cruces | Las Cruces, NM | 53.1% | $1.2 billion |
| 15 | Western Bank | Lordsburg, NM | 53.7% | $326 million |
| 16 | Four Corners Community Bank | Farmington, NM | 55.9% | $662 million |
| 17 | First New Mexico Bank, Las Cruces | Las Cruces, NM | 56.2% | $172 million |
| 18 | Inbank | Raton, NM | 57.6% | $1.4 billion |
| 19 | The Bank of Clovis | Clovis, NM | 58.4% | $438 million |
| 20 | James Polk Stone Community Bank | Portales, NM | 60.1% | $444 million |
| 21 | The Citizens Bank of Clovis | Clovis, NM | 62.6% | $493 million |
| 22 | First New Mexico Bank of Silver City | Silver City, NM | 67.3% | $147 million |
| 23 | First State Bank | Socorro, NM | 69.9% | $188 million |
| 24 | Southwest Capital Bank | Albuquerque, NM | 71.5% | $483 million |
| 25 | First National Bank | Alamogordo, NM | 76.4% | $453 million |
| 26 | Century Bank | Santa Fe, NM | 77.7% | $1.4 billion |
| 27 | Bank of the Southwest | Roswell, NM | 83.8% | $176 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings