8 banks and credit unions have branches in Ruidoso. The Bank Fee Index holds published fees for 5 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from New Mexico
Ruidoso counts institutions with a branch here, wherever headquartered. New Mexico counts institutions headquartered in the state.
Ruidoso
5 institutions with a branch here
$35
New Mexico
20 institutions headquartered in New Mexico
$30
U.S.
2,605 institutions in the index
$30
Chosen as the fee whose Ruidoso median sits furthest from New Mexico's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Ruidoso with New Mexico and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $30 to $36.
Median published overdraft fee
Ruidoso
5 institutions with a branch here
$35
New Mexico
20 institutions headquartered in New Mexico
$30
U.S.
2,605 institutions in the index
$30
Ruidoso covers every institution with a branch here, wherever it is headquartered. New Mexico covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
8 institutions, 5 with a published overdraft fee.
Bank · based in Lubbock, TX · 1 branch here
Bank · based in Beresford, SD · 1 branch here
Bank · based in Sioux Falls, SD · 1 branch here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Alamogordo, NM · 1 branch here
Bank · based in Roswell, NM · 1 branch here
Account not yet known
“Overdraft Fee (per presented item) | $35.00”
Bank · based in Seattle, WA · 1 branch here
Account not yet known
“Insufficient Funds Charge (Paid) | $30 Per Presentment§”
Bank · based in Wilmington, DE · 1 branch here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Credit union, membership rules apply · based in Alamogordo, NM · 1 branch here
Account not yet known
“Courtesy Pay/Overdraft Fee | $30.00”
Largest banks by local bank deposits
Share of the $679 million in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Lincoln County
Deposits and branches cover the City of Ruidoso. Population and income cover Lincoln County, the county with most of Ruidoso's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Lincoln County.
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