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22 Maple Street
Clayton, NM 88415

Farmers & Stockmens Bank is headquartered in Clayton and is the 27th largest bank in the state of New Mexico. It is also the 3,471st largest bank in the nation. It was established in 1920 and as of June of 2014, it had grown to 53 employees at 3 locations. Farmers & Stockmens Bank has a A+ health rating.

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Data for Q2 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 June 30, 2014 Farmers & Stockmens Bank had $678,000 in non-current loans and owned real-estate with $18.84 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Stockmens Bank a Texas Ratio of 3.60% 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 experienced no significant changes from 2.71% as of June 30, 2013 to 3.60% as of June 30, 2014, resulting in a negative change of 32.65%. This indicates that the balance sheet and financial strength for Farmers & Stockmens Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Farmers & Stockmens Bank has increased its total deposits by $12.96 million, resulting in 10.4% 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 $165.28 million in assets with $18.84 million in equity, resulting in a capitalization level of 11.40%, which is excellent.

Institution Statistics

FDIC Certificate #13625
Year Established1920
Primary RegulatorFDIC
Assets and Liabilities
Assets$165.28 million
Loans$109.76 million
Deposits$137.61 million
Equity Capital$17.40 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$517,000
Real Estate Owned$161,000
Historic Data - June 2013
Assets$138.56 million
Equity Capital$13.32 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$517,000
Real Estate Owned$179,000
Profit Margin - Quarterly
Return on Assets1.49%
Return on Equity14.44%
Interest Income$3.15 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