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Overview / Commentary
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 3,349th largest bank in the nation. It was established in 1973 and as of December of 2013, it had grown to 44 employees at 5 locations. Community Bank (NM) 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 Community Bank (NM) had $5.35 million in non-current loans and owned real-estate with $25.48 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (NM) a Texas Ratio of 20.98% 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 Community Bank (NM) decreased slightly from 24.31% as of December 31, 2012 to 20.98% as of December 31, 2013, resulting in a positive change of 13.67%.This indicates that the balance sheet and financial strength for Community Bank (NM) has improved slightly in recent periods.

Deposit Growth


In the past year, Community Bank (NM) has increased its total deposits by $960,000, resulting in 0.66% 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 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. Community Bank (NM) has $174.84 million in assets with $25.48 million in equity, resulting in a capitalization level of 14.57%, which is excellent.

Institution Statistics

FDIC Certificate #21000
Year Established1973
Primary RegulatorFDIC
Assets and Liabilities
Assets$174.84 million
Loans$109.91 million
Deposits$147.37 million
Equity Capital$22.31 million
Loan Loss Allowance$3.17 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$1.84 million
Historic Data - December 2012
Assets$174.04 million
Equity Capital$22.43 million
Loan Loss Allowance$3.17 million
Unbacked Noncurrent Loans$3.51 million
Real Estate Owned$2.18 million
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets0.47%
Return on Equity3.65%
Interest Income$6.60 million

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Community Bank (NM) Savings Account Rates

0.15%$25k-Community Assets Accounts
0.05%--Interest Bearing Account
0.02%--Savings Account
0.02%--Looney Tunes Account
0.02%--Business Savings Account

Community Bank (NM) Money Market Rates

0.15%$25k-Commercial Money Market Accounts

Community Bank (NM) Checking Account Rates

0.15%$25k-Preferred Checking Accounts
0.07%$25k-Golden Assets Checking Accounts
0.07%$25k-Business Assets Checking Accounts

Community Bank (NM) CD Rates

0.75%--3 Year CD
0.75%--3 Year Business CD
0.55%--2 Year CD
0.55%--2 Year Business CD
0.50%--18 Month CD
0.50%--18 Month Business CD
0.40%--1 Year CD
0.40%--1 Year Business CD
0.20%--6 Month CD
0.20%--6 Month Business CD
0.12%--90 Day CD
0.12%--90 Day Business CD

Community Bank (NM) IRA Rates

0.75%--3 Year IRA
0.55%--2 Year IRA
0.40%--1 Year IRA

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