First National Bank

Alamogordo, New MexicoFDIC Cert #17643

OCCEstablished 19566 branches

Holding company: FIRST ALAMOGORDO BCORP NV INCRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$15.8M
Investor CRE	$101M
Multifamily	$1.33M
Construction	$21.3M
1–4 family	$22.5M
C&I	$13.7M
Agriculture	$2.21M
Other	$42M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$219M

+2.8%y/y

Percentile by value15th percentileby value

FDICLNLSGR

Net loans

$216M

+2.7%y/y

Percentile by value15th percentileby value

FDICLNLSNET

Loans YoY

+2.66%

+72.1%y/y

Percentile by value32nd percentileby value

FDICLNLSNET

L/D

49.4%

+4.6%y/y

Percentile by value6th percentileby value

FDICLNLSNET + DEP

Loans/assets

46.4%

+3.2%y/y

Percentile by value9th percentileby value

FDICLNLSNET + ASSET

RE loans %

74.72%

+3.2%y/y

Percentile by value25th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,394points

+10.2%y/y

Peer standing38th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

7.21%

+2.1%y/y

Percentile by value25th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

45.85%

+5.5%y/y

Percentile by value99th percentileby value

FDICLNRENROT + LNLSGR

C&I %

6.25%

+7.9%y/y

Percentile by value29th percentileby value

FDICLNCI + LNLSGR