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Overview / Commentary
1609 N Swan Street
Silver City, NM 88061

AmBank is headquartered in Silver City and is the 33rd largest bank in the state of New Mexico. It is also the 4,181st largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 35 employees at 3 locations. AmBank has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 AmBank had $2.78 million in non-current loans and owned real-estate with $18.4 million in equity and loan loss allowances on hand to cover it. This gives AmBank a Texas Ratio of 15.13% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for AmBank experienced no significant changes from 14.98% as of December 31, 2012 to 15.13% as of December 31, 2013, resulting in a negative change of 0.96%. This indicates that the balance sheet and financial strength for AmBank has had no significant changes in recent periods.

Deposit Growth


In the past year, AmBank has increased its total deposits by $2.59 million, resulting in 2.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AmBank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AmBank has $125.02 million in assets with $18.4 million in equity, resulting in a capitalization level of 14.72%, which is excellent.

Institution Statistics

FDIC Certificate #34302
Year Established1997
Primary RegulatorFDIC
Assets and Liabilities
Assets$125.02 million
Loans$55.62 million
Deposits$106.10 million
Equity Capital$16.56 million
Loan Loss Allowance$1.84 million
Unbacked Noncurrent Loans$2.43 million
Real Estate Owned$355,000
Historic Data - December 2012
Assets$121.70 million
Equity Capital$17.60 million
Loan Loss Allowance$1.69 million
Unbacked Noncurrent Loans$2.43 million
Real Estate Owned$383,000
Profit Margin - Quarterly
Net Interest Margin3.92%
Return on Assets0.48%
Return on Equity3.52%
Interest Income$4.36 million

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AmBank Locations
Bayard Branch1401 Tom Foy BlvdBayard, NM 88023
Ambank1609 N Swan StreetSilver City, NM 88061
Hurley BranchHwy 180 and Carasco AvenueHurley, NM 88043