My Work
Distressed Note Industry
New Mexico Consumer Loans
Analyzing consumer loans loan performance across 55 New Mexico banks
As of Q3 2025, 55 New Mexico banks report consumer loans portfolios totaling $96.4M. Non-performing loans in this category total $208K — an average NPL ratio of 0.22% — with $1.0M 30-89 days delinquent, $2K 90+ days delinquent, and $206K in nonaccrual status. The most distressed lender in this category is FIRST NEW MEXICO BANK (NM) with an NPL ratio of 2.40%.
Total Lenders
55
Total Loan Portfolio
$96.4M
Total NPL
$208K
Average NPL %
0.22%
Delinquency Breakdown
30-89 Days
$1.0M
90+ Days
$2K
Nonaccrual
$206K
Charge-offs
$608K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in New Mexico
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST NEW MEXICO BANK | NM | $1.5M | $35K | 2.40% |
| FIRST NEW MEXICO BANK | NM | $1.5M | $35K | 2.40% |
| JAMES POLK STONE COMMUNITY BANK | NM | $7.1M | $52K | 0.73% |
| JAMES POLK STONE COMMUNITY BANK | NM | $7.1M | $52K | 0.73% |
| FIRST NATIONAL BANK | NM | $289K | $1K | 0.35% |
| FIRST NATIONAL BANK | NM | $12.7M | $17K | 0.13% |
| FIRST NATIONAL BANK | NM | $12.4M | $16K | 0.13% |
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