Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (2.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.8. A current level of 8.5 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (7.0).
Asset Mix:
Home mtgs (61%), cash (14%), securities (10%), comm re (7%), consumer loans (1%), other (8%)
States with Branches:
NM
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
301 South First Street
Tucumcari, NM 88401
Tucumcari, NM 88401
Phone Number
(575) 461-0191
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.