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22 Maple Street
Clayton, NM 88415

Farmers & Stockmens Bank is headquartered in Clayton and is the 30th largest bank in the state of New Mexico. It is also the 3,631st largest bank in the nation. It was established in 1920 and as of March of 2014, it had grown to 51 employees at 3 locations. Farmers & Stockmens Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 Farmers & Stockmens Bank had $165,000 in non-current loans and owned real-estate with $18.34 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Stockmens Bank a Texas Ratio of 0.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Farmers & Stockmens Bank decreased slightly from 1.22% as of March 31, 2013 to 0.90% as of March 31, 2014, resulting in a positive change of 26.11%.This indicates that the balance sheet and financial strength for Farmers & Stockmens Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Farmers & Stockmens Bank has increased its total deposits by $6.05 million, resulting in 4.9% 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 Farmers & Stockmens Bank has shown is excellent.



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. Farmers & Stockmens Bank has $155.48 million in assets with $18.34 million in equity, resulting in a capitalization level of 11.79%, which is excellent.

Institution Statistics

FDIC Certificate #13625
Year Established1920
Primary RegulatorFDIC
Assets and Liabilities
Assets$155.48 million
Loans$97.30 million
Deposits$129.51 million
Equity Capital$16.89 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$4,000
Real Estate Owned$161,000
Historic Data - March 2013
Assets$137.30 million
Equity Capital$13.35 million
Loan Loss Allowance$1.34 million
Real Estate Owned$179,000
Profit Margin - Quarterly
Net Interest Margin3.59%
Return on Assets0.93%
Return on Equity9.03%
Interest Income$1.45 million

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Farmers & Stockmens Bank Locations
Central Bank & Trust Branch1 South Nevada AvenueColorado Springs, CO 80903
Farmers & Stockmens Bank22 Maple StreetClayton, NM 88415
Des Moines BranchHighway 87Des Moines, NM 88418