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First State Bank
Socorro, NM · FDIC Certificate #16600 · Chartered 07/0
Total assets
$187.96M
Total deposits
$160.54M
Total equity
$26.77M
Net loans
$10.46M
Branches (offices)
4
Net income (YTD)
$979.00K
Rank: #3,061 of 4,213 U.S. banks by assets · #23 of 29 in New Mexico. Assets changed -1.1% and deposits -2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 7.45% |
| Net interest margin (YTD) | 3.23% |
| Equity to assets | 14.24% |
| Tier 1 leverage ratio | 14.27% |
| Uninsured deposits (share of deposits) | 50.9% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 6.5% |
| Real estate loans (share of loans) | 64.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.73M | 64.3% | |
| Commercial & industrial | $3.39M | 32.4% | |
| Consumer / individual | $1.46M | 13.9% | |
| Construction & development | $321.00K | 3.1% | |
| Agricultural | $84.00K | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $187.02M | $167.81M | $512.00K | $18.95M |
| Jun 2023 | $175.02M | $153.96M | $720.00K | $20.72M |
| Jun 2024 | $181.24M | $157.98M | $1.14M | $22.77M |
| Jun 2025 | $190.09M | $164.52M | $912.00K | $24.79M |
| Jun 2026 | $187.96M | $160.54M | $979.00K | $26.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $160.54M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $160.54M.
Similar-sized banks
Citizens Savings Bank And Trust Company ($188.06M) · First Federal Savings Of Middletown ($187.96M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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