County banking markets / NM / 35001
BernalilloNew Mexico
FIPS 35001. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 33 counties in New Mexico’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (845) and unconcentrated on deposits (1,426).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
128 branch offices and 11 institutions in 1994; 104 and 25 in 2025. Deposits booked in the county went from $4.28B to $15.85B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Bank of America, National Association cert 3510 | $4.27B | 26.92% | 10 | 9.62% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $2.85B | 18.01% | 15 | 14.42% |
| 3 | BOKF, National Association cert 4214 | $2.20B | 13.88% | 10 | 9.62% |
| 4 | UMB Bank, National Association cert 8273 | $1.15B | 7.27% | 6 | 5.77% |
| 5 | U.S. Bank National Association cert 6548 | $984.5M | 6.21% | 8 | 7.69% |
| 6 | BMO Bank National Association cert 16571 | $981.5M | 6.19% | 15 | 14.42% |
| 7 | Washington Federal Bank cert 28088 | $776.1M | 4.90% | 3 | 2.88% |
| 8 | PNC Bank, National Association cert 6384 | $518.6M | 3.27% | 7 | 6.73% |
| 9 | Sunflower Bank, National Association cert 4767 | $374.0M | 2.36% | 2 | 1.92% |
| 10 | JPMorgan Chase Bank, National Association cert 628 | $297.5M | 1.88% | 7 | 6.73% |
| 11 | Century Bank cert 28362 | $263.3M | 1.66% | 1 | 0.96% |
| 12 | First-Citizens Bank & Trust Company cert 11063 | $229.5M | 1.45% | 1 | 0.96% |
| 13 | Main Bank cert 22086 | $205.5M | 1.30% | 1 | 0.96% |
| 14 | Enterprise Bank & Trust cert 27237 | $171.2M | 1.08% | 1 | 0.96% |
| 15 | Southwest Capital Bank cert 12258 | $149.7M | 0.94% | 1 | 0.96% |
| 16 | Capra Bank cert 16363 | $143.7M | 0.91% | 1 | 0.96% |
| 17 | United Business Bank cert 57716 | $79.4M | 0.50% | 1 | 0.96% |
| 18 | First American Bank cert 2240 | $51.7M | 0.33% | 2 | 1.92% |
| 19 | NBH Bank cert 59052 | $50.7M | 0.32% | 1 | 0.96% |
| 20 | TBK BANK, SSB cert 23498 | $31.8M | 0.20% | 1 | 0.96% |
| 21 | Western Commerce Bank cert 18389 | $21.5M | 0.14% | 1 | 0.96% |
| 22 | First National Bank Texas cert 3285 | $21.2M | 0.13% | 6 | 5.77% |
| 23 | First American Trust, FSB cert 26312 | $16.5M | 0.10% | 1 | 0.96% |
| 24 | Citizens Bank of Las Cruces cert 20161 | $6.1M | 0.04% | 1 | 0.96% |
| 25 | DSRM National Bank cert 34331 | $500K | 0.00% | 1 | 0.96% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to New Mexico, or read the methodology for the two HHI constructions and what they cannot tell you.