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Four Corners Community Bank

Four Corners Community Bank
Overview / Commentary
500 W. Main Street, Suite 101
Farmington, NM 87401

Four Corners Community Bank is headquartered in Farmington and is the 13st largest bank in the state of New Mexico. It is also the 2,183rd largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 63 employees at 7 locations. Four Corners Community Bank 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 Four Corners Community Bank had $4.26 million in non-current loans and owned real-estate with $28.67 million in equity and loan loss allowances on hand to cover it. This gives Four Corners Community Bank a Texas Ratio of 14.85% 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 Four Corners Community Bank experienced no significant changes from 11.62% as of December 31, 2012 to 14.85% as of December 31, 2013, resulting in a negative change of 27.77%. This indicates that the balance sheet and financial strength for Four Corners Community Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Four Corners Community Bank has increased its total deposits by $71.88 million, resulting in 42.73% 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 Four Corners Community 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. Four Corners Community Bank has $298.97 million in assets with $28.67 million in equity, resulting in a capitalization level of 9.59%, which is above average.

Institution Statistics

FDIC Certificate #35441
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$298.97 million
Loans$170.95 million
Deposits$240.12 million
Equity Capital$25.28 million
Loan Loss Allowance$3.39 million
Unbacked Noncurrent Loans$3.39 million
Real Estate Owned$873,000
Historic Data - December 2012
Assets$221.14 million
Equity Capital$23.43 million
Loan Loss Allowance$3.04 million
Unbacked Noncurrent Loans$3.39 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.7%
Return on Assets1.64%
Return on Equity16.58%
Interest Income$9.35 million

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Four Corners Community Bank Locations
Aztec Branch1301 W. Aztec Blvd.Aztec, NM 87410
20th Street Branch2811 E. 20th StreetFarmington, NM 87402
Cortez Branch343 E. Main St.Cortez, CO 81321
Four Corners Community Bank500 W. Main Street, Suite 101Farmington, NM 87401
East Main Street Branch5900 E. Main StreetFarmington, NM 87402