First National Bank
Alamogordo, NM
IDRSSD: 823450
Total Assets
$458.37M
Latest filing
Total Deposits
$431.65M
Latest filing
Net Interest Margin
3.93%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
414 10th St
Alamogordo, NM 88310
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/23/1956FDIC Certificate 11608
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 414 10th St | Alamogordo, NM |
| CLOUDCROFT BRANCH | 301 Burro Ave | Cloudcroft, NM |
| NORTH BRANCH | 3101 N White Sands Blvd | Alamogordo, NM |
| TULAROSA BRANCH | 206 Central Ave | Tularosa, NM |
| RUIDOSO BRANCH | 451 Sudderth Dr | Ruidoso, NM |
| ARTESIA BRANCH | 908 W Main St | Artesia, NM |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/23/1956 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 88310 |
| State and County Number | 35035 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Alamogordo, NM |
Operational Info
| Number of Employees | 93 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/23/1956 |
| Primary Insurance Agency | DIF |
| Website | www.fnb4u.com |
| Data Updated | 11/14/2025 |
| CERT | 17643 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $458.37M |
| Total Deposits | $431.65M |
| Total Liabilities | $433.95M |
| Total Equity Capital | $24.42M |
| Net Income | $1.67M |
| Net Loans and Leases | $211.98M |
| Assets Per Employee ($Millions) | $4.93M |
| Bank Premises and Fixed Assets | $5.93M |
| Cash and Balances due from Depository Institutions | $26.11M |
| Deposits Held in Domestic Offices | $431.65M |
Key Performance Ratios
| Return on Assets (ROA) | 1.46% |
| Return on Equity (ROE) | 30.78% |
| Net Interest Margin | 3.93% |
| Efficiency Ratio | 61.54% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.328% |
| Earning Assets to total Assets | 94.19% |
Income and Expense
| Total Interest Income | $5.15M |
| Total Noninterest Income | $511.00k |
| Total Interest Expense | $917.00k |
| Total Noninterest Expense | $2.92M |
| Net Interest Income | $4.23M |
| Pre-tax Net Operating Income | $1.67M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $292.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.01M |
| Total Liabilities and Capital | $458.37M |
Securities
| Securities | $201.74M |
| Available-for-sale debt securities | $198.24M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$458.37M as of the latest filing.
How much are First National Bank's total deposits?
$431.65M in total deposits.
Where is First National Bank located?
Alamogordo, NM.
What is the Net Interest Margin?
3.93%.
How many domestic offices does it operate?
6.
When was it established?
08/23/1956.
What is the Return on Assets (ROA)?
1.46%.
How much are total loans and leases?
$211.98M (latest filing).
What is the total interest income (latest filing)?
$5.15M.