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Distressed Note Industry
New Mexico Commercial Loans
Analyzing commercial loans loan performance across 109 New Mexico banks
As of Q2 2025, 109 New Mexico banks report commercial loans portfolios totaling $7.6B. Non-performing loans in this category total $74.1M — an average NPL ratio of 0.98% — with $44.4M 30-89 days delinquent, $92K 90+ days delinquent, and $74.0M in nonaccrual status. The most distressed lender in this category is VALLEY BANK OF COMMERCE (NM) with an NPL ratio of 12.42%.
Total Lenders
109
Total Loan Portfolio
$7.6B
Total NPL
$74.1M
Average NPL %
0.98%
Delinquency Breakdown
30-89 Days
$44.4M
90+ Days
$92K
Nonaccrual
$74.0M
Charge-offs
$3.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in New Mexico
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| VALLEY BANK OF COMMERCE | NM | $13.2M | $1.6M | 12.42% |
| VALLEY BANK OF COMMERCE | NM | $16.0M | $1.6M | 10.25% |
| FOUR CORNERS COMMUNITY BANK | NM | $97.0M | $8.7M | 8.97% |
| FOUR CORNERS COMMUNITY BANK | NM | $174.9M | $9.5M | 5.45% |
| WESTERN BANK | NM | $11.2M | $466K | 4.15% |
| JAMES POLK STONE COMMUNITY BANK | NM | $28.1M | $958K | 3.41% |
| WESTERN BANK | NM | $14.6M | $466K | 3.20% |
| INBANK | NM | $191.9M | $5.1M | 2.68% |
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