Online Banking Center

Customer Service Center

I Want To:

Website_closed_labor_day Website_shred_day_2018 Web_slide_Financial_education web_banner_bank_local Herotpfoundedfocused2 homeloan4 Heromobileupdate2017

News & Information

Current Career Opportunities

Learn More >

More News >

What are the 5 Cís of Credit? 

The 5 Cís of credit help assess credit risk and are used by many lenders to evaluate potential borrowers. Knowing about these 5 Cís: character, capacity, collateral, capital, and conditions, and what your bank is looking for will help prepare you to recognize what is most important in a lenderís eyes.

Whether you're starting from scratch or expanding your business, want to buy new equipment, purchase land, improve an existing location,or to just give your business a little breathing room, a loan can help your business in a variety of ways. Knowing what lenders are looking for ahead of time can mean the difference between being accepted or rejected.

To read more about the 5 C's of credit click here

 

Featured Artist

Our featured art for July and August is an expansive collection of work of NM visions by Kathryn A. Hayden. The show includes over 20 pieces from her "Enchanted New Mexico" landscape series to her "Taos Quirky", "Wild", and "Faith" series. Kathryn describes her fine art photography style as photo artistry. Stop by our main branch to see her dramatic and thoughtful scenes.