Bank · FDIC insured
First National Bank
A $452.8M bank headquartered in Alamogordo, NM, with 6 branches in New Mexico. Best rates: CDs 3.80% and savings 0.25% APY.
First National Bank Carrot Score
69
Carrot Score
Higher than 25% of U.S. banks and credit unions
#5 of 7 in Alamogordo, NM metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First National Bank
First National Bank is headquartered in Alamogordo, New Mexico.
- Headquarters
- 414 10th St, Alamogordo, NM 88310
- FDIC certificate
- 17643 ↗
Branches
6 branches in New Mexico
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New Mexico
6 branches
Alamogordo area · 4
- First National BankMain office414 10th St, Alamogordo, NM 88310Directions
- North Branch3101 N White Sands Blvd, Alamogordo, NM 88310Directions
- Cloudcroft Branch301 Burro Ave, Cloudcroft, NM 88317Directions
- Tularosa Branch206 Central Ave, Tularosa, NM 88352Directions
Carlsbad area · 1
- Artesia Branch908 W Main St, Artesia, NM 88210Directions
Ruidoso area · 1
- Ruidoso Branch451 Sudderth Dr, Ruidoso, NM 88345Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.31% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 5.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.08% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $52 | $81 | — |
- CapitalLeverage ratio10.31%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent5.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.08%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$52Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.