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Overview / Commentary
505-662-5171
1200 Trinity Drive
Los Alamos, NM 87544

Los Alamos National Bank is headquartered in Los Alamos and is the 3rd largest bank in the state of New Mexico. It is also the 454th largest bank in the nation. It was established in 1963 and as of March of 2014, it had grown to 362 employees at 6 locations. Los Alamos National Bank has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
C

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 Los Alamos National Bank had $74.42 million in non-current loans and owned real-estate with $171.59 million in equity and loan loss allowances on hand to cover it. This gives Los Alamos National Bank a Texas Ratio of 43.37% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Los Alamos National Bank experienced no significant changes from 38.18% as of March 31, 2013 to 43.37% as of March 31, 2014, resulting in a negative change of 13.60%. This indicates that the balance sheet and financial strength for Los Alamos National Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, Los Alamos National Bank has increased its total deposits by $5.59 million, resulting in 0.41% 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 Los Alamos National Bank has shown is above 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. Los Alamos National Bank has $1.53 billion in assets with $171.59 million in equity, resulting in a capitalization level of 11.24%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #18799
Year Established1963
Employees362
Primary RegulatorOCC
Assets and Liabilities
Assets$1.53 billion
Loans$986.44 million
Deposits$1.36 billion
Equity Capital$139.55 million
Loan Loss Allowance$32.04 million
Unbacked Noncurrent Loans$58.10 million
Real Estate Owned$16.31 million
Historic Data - March 2013
Assets$1.52 billion
Equity Capital$139.50 million
Loan Loss Allowance$36.76 million
Unbacked Noncurrent Loans$58.10 million
Real Estate Owned$11.38 million
Profit Margin - Quarterly
Net Interest Margin3.42%
Return on Assets0.07%
Return on Equity0.72%
Interest Income$13.55 million
Rates

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Los Alamos National Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$10k-Senior IRA Plus
0.15%$100k-Universal Savings
0.15%$100k-Universal IRA
0.05%--Savings
0.05%--Student Savings

Los Alamos National Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Money Market

Los Alamos National Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100k-Free Checking Plus
0.10%$100k-eChecking
0.10%$100k-Senior Account

Los Alamos National Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$100k-60 Month Jumbo CD
0.95%$500-60 Month Senior CD
0.85%$500-60 Month CD
0.85%$100k-48 Month Jumbo CD
0.80%$500-48 Month Senior CD
0.70%$500-48 Month CD
0.65%$100k-36 Month Jumbo CD
0.60%$500-36 Month Senior CD
0.55%$100k-24 Month Jumbo CD
0.50%$500-36 Month CD
0.50%$500-24 Month Senior CD
0.45%$100k-18 Month Jumbo CD
0.40%$500-24 Month CD
0.40%$500-18 Month Senior CD
0.40%$100k-12 Month Jumbo CD
0.35%$10k-12 Month Senior Plus CD
0.30%$500-18 Month CD
0.30%$500-12 Month Senior CD
0.25%$10k-12 Month Plus CD
0.25%$100k-180 Day Jumbo CD
0.20%$500-12 Month CD
0.20%$500-180 Day Senior CD
0.20%$100k-90 Day Jumbo CD
0.15%$500-90 Day Senior CD
0.10%$500-180 Day CD
0.05%$500-90 Day CD

Los Alamos National Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.95%$500-60 Month Senior IRA
0.85%$500-60 Month IRA
0.80%$500-48 Month Senior IRA
0.70%$500-48 Month IRA
0.60%$500-36 Month Senior IRA
0.50%$500-36 Month IRA
0.50%$500-24 Month Senior IRA
0.40%$500-24 Month IRA
0.30%$500-12 Month Senior IRA
0.25%$10k-12 Month Plus IRA
0.20%$500-12 Month IRA
Locations


Los Alamos National Bank Locations
Los Alamos National Bank1200 Trinity DriveLos Alamos, NM 87544
Santa Fe Branch2009 Galisteo StreetSanta Fe, NM 87505
Santa Fe Downtown Branch301 Griffin StreetSanta Fe, NM 87501
Cerrillos Road Branch3674 Cerrillos RdSanta Fe, NM 87507
Albuquerque Office Branch6301 Indian Schools Rd, Ne Suite 110Albuquerque, NM 87110
Albuquerque Jefferson Office6700 Jefferson Ne D-1Albuquerque, NM 87109
White Rock Branch77 Rover BoulevardWhite Rock, NM 87544