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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