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Citizens Bank of Clovis, The

Clovis, NM · Cert 11491 · CBC Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

72

Q2 2024Q2 2026peer median

Efficiency

64

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank of Clovis, The

Clovis, NM · Cert 11491 · CBC Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$493.6MAssets
$305.2MLoans
$439.9MDeposits
$33.7MEquity
Loan mix
83%RE $187.2M17%C&I $37.3M1%Consumer $1.2MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $329.7M25%Noninterest $110.2MQ2 2025Q2 2026

NIM

5.62%Q2 ’245.27%Q2 ’255.13%Q2 ’26-4%+6%

Non-interest income vs. expense

1.46%Q2 ’241.53%Q2 ’252.10%Q2 ’26+6%+38%

Executive Summary

  • Earnings: ROA of 0.90%, down 48 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.04% of loans (+3 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 12.16%, up 41 bps from a year ago.
  • Funding: loans stand at 69.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.90%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+20 bps YoY

Efficiency Ratio (YTD, annualized)

59.21%+1,265 bps YoY

Tier 1 Leverage Ratio

12.16%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.42%1.30%1.37%0.90%-48 bps
Return on Equity23.57%23.37%20.84%19.99%13.09%-1,048 bps
Net Interest Margin3.13%3.16%3.10%3.17%3.34%+20 bps
Efficiency Ratio46.55%44.77%45.92%47.55%59.21%+1,265 bps
Non-Interest Burden1.37%1.32%1.34%1.42%1.89%+52 bps
Growth
Asset Growth (YoY)-0.83%-2.03%0.66%0.52%-0.49%+35 bps
Loan Growth (YoY)-2.55%-5.85%-5.15%-5.56%-5.03%-248 bps
Deposit Growth (YoY)-1.58%-1.20%2.53%2.19%2.12%+370 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%1.04%1.01%0.04%+3 bps
Net Charge-Offs / Loans0.50%0.34%0.50%-0.01%0.16%-34 bps
Allowance / Loans1.10%1.09%1.07%1.07%1.18%+9 bps
Allowance Coverage of NPLs141.1x140.7x1.0x1.1x30.9x-110.2x
Capital
Tier 1 Leverage Ratio11.75%12.22%12.21%11.99%12.16%+41 bps
Total Risk-Based Capital11.75%12.22%12.21%11.99%12.16%+41 bps
Equity / Assets5.93%6.79%6.82%6.90%6.83%+90 bps
Liquidity & Funding
Loans / Deposits74.60%74.91%67.83%71.28%69.38%-522 bps
Liquid Assets / Assets3.41%2.90%6.35%4.32%2.77%-63 bps
CRE / Total Capitaln/a239%223%234%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Bank of Clovis, The

Clovis, NM · Cert 11491 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CBC Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$493.6MAssets
$305.2MLoans
$439.9MDeposits
$33.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets operating in a single state (rank 154 of 743).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 706 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.92%

Rank 450 of 746

Net Interest Margin

3.34%

Rank 514 of 746

Efficiency Ratio

59.21%

Rank 268 of 746

Equity / Assets

6.83%

Rank 706 of 746

Non-interest income vs. expense

$1.1M$10.4MINCOMEEXPENSE
Unfavorable gap of $9.4M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state
Bank 59.21%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.72%1.06%1.45%Beats 40%450 / 746
Return on Equity13.45%6.74%10.51%13.63%Beats 73%201 / 746
Net Interest Margin3.34%3.17%3.68%4.16%Beats 31%514 / 746
Efficiency Ratio59.21%55.74%64.58%75.47%Beats 64%268 / 746
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.42%1.07%Beats 79%154 / 743
Net Charge-Offs / Loans0.08%0.00%0.01%0.05%Beats 17%614 / 743
Capital
Tier 1 Capital Ratio12.16%11.55%13.75%17.60%Beats 33%500 / 746
Total Risk-Based Capital Ratio12.16%11.71%14.33%18.43%Beats 29%529 / 746
Equity / Assets6.83%8.90%10.51%13.06%Beats 5%706 / 746
Liquidity & Funding
Loans / Deposits69.38%61.31%78.27%90.78%34th pctl489 / 746
Loans / Assets61.83%53.60%66.97%76.08%39th pctl454 / 746
Brokered Deposits / Depositsn/aNot reported for this institution