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Overview / Commentary
505-946-3500
549 South Guadalupe
Santa Fe, NM 87501

Community Bank (NM) is headquartered in Santa Fe and is the 25th largest bank in the state of New Mexico. It is also the 3,456th largest bank in the nation. It was established in 1973 and as of March of 2014, it had grown to 43 employees at 5 locations. Community Bank (NM) has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Bank (NM) had $4.89 million in non-current loans and owned real-estate with $25.63 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (NM) a Texas Ratio of 19.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Community Bank (NM) decreased slightly from 23.83% as of March 31, 2013 to 19.09% as of March 31, 2014, resulting in a positive change of 19.92%.This indicates that the balance sheet and financial strength for Community Bank (NM) has improved slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Community Bank (NM) has decreased its total deposits by $-181,000, resulting in -0.13% 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 Community Bank (NM) has shown is average.

Capitalization

GRADE:
A+

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. Community Bank (NM) has $166.95 million in assets with $25.63 million in equity, resulting in a capitalization level of 15.35%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #21000
Year Established1973
Employees43
Primary RegulatorFDIC
Assets and Liabilities
Assets$166.95 million
Loans$106.41 million
Deposits$140.97 million
Equity Capital$22.46 million
Loan Loss Allowance$3.18 million
Unbacked Noncurrent Loans$3.27 million
Real Estate Owned$1.63 million
Historic Data - March 2013
Assets$168.77 million
Equity Capital$22.44 million
Loan Loss Allowance$3.10 million
Unbacked Noncurrent Loans$3.27 million
Real Estate Owned$2.35 million
Profit Margin - Quarterly
Net Interest Margin3.93%
Return on Assets0.38%
Return on Equity2.94%
Interest Income$1.59 million
Rates

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Community Bank (NM) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.07%$25k-Community Assets Accounts
0.02%--Interest Bearing Account
0.01%--Savings Account
0.01%--Looney Tunes Account
0.01%--Business Savings Account

Community Bank (NM) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.07%$25k-Commercial Money Market Accounts

Community Bank (NM) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.07%$25k-Preferred Checking Accounts
0.05%$25k-Business Assets Checking Accounts

Community Bank (NM) CD Rates

DetailsAPYMINMAXPRODUCT
1.00%--5 Year Business CD
1.00%--5 Year CD
0.75%--4 Year Business CD
0.75%--4 Year CD
0.65%--3 Year CD
0.65%--3 Year Business CD
0.50%--2 Year CD
0.50%--2 Year Business CD
0.45%--18 Month CD
0.45%--18 Month Business CD
0.40%--1 Year CD
0.40%--1 Year Business CD
0.15%--6 Month CD
0.15%--6 Month Business CD
0.10%--90 Day CD
0.10%--90 Day Business CD

Community Bank (NM) IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%--5 Year IRA
0.65%--3 Year IRA
0.50%--2 Year IRA
0.40%--1 Year IRA
Locations


Community Bank (NM) Locations
Los Alamos Branch1475 Central AvenueLos Alamos, NM 87544
Espanola Branch411 Carr LaneEspanola, NM 87532
Community Bank549 South GuadalupeSanta Fe, NM 87501
Albuquerque Office6401 Jefferson Ne Suite BAlbuquerque, NM 87109
Tierra Amarilla OfficeHwy 64/84 Bldg 173-45Tierra Amarilla, NM 87575