My Work
Distressed Note Industry
New Mexico Consumer Loans
Analyzing consumer loans loan performance across 55 New Mexico banks
As of Q2 2025, 55 New Mexico banks report consumer loans portfolios totaling $98.3M. Non-performing loans in this category total $466K — an average NPL ratio of 0.47% — with $852K 30-89 days delinquent, $56K 90+ days delinquent, and $410K in nonaccrual status. The most distressed lender in this category is FIRST NEW MEXICO BANK (NM) with an NPL ratio of 3.01%.
Total Lenders
55
Total Loan Portfolio
$98.3M
Total NPL
$466K
Average NPL %
0.47%
Delinquency Breakdown
30-89 Days
$852K
90+ Days
$56K
Nonaccrual
$410K
Charge-offs
$436K
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 | $1.8M | $55K | 3.01% |
| FIRST NEW MEXICO BANK | NM | $1.8M | $55K | 3.01% |
| CENTINEL BANK OF TAOS | NM | $1.4M | $23K | 1.64% |
| FIRST NATIONAL BANK | NM | $312K | $5K | 1.60% |
| JAMES POLK STONE COMMUNITY BANK | NM | $6.6M | $73K | 1.11% |
| JAMES POLK STONE COMMUNITY BANK | NM | $6.6M | $73K | 1.11% |
| CENTINEL BANK OF TAOS | NM | $2.3M | $23K | 1.00% |
| BANK OF CLOVIS, THE | NM | $6.3M | $60K | 0.95% |
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