Clovis, NM · Cert 11491 · CBC Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.51% | 0.94% | 1.37% | 0.41% | -87 bps | |
| Return on Equity | 21.78% | 23.83% | 13.82% | 19.99% | 6.00% | -1,577 bps | |
| Net Interest Margin | 3.03% | 3.13% | 3.16% | 3.17% | 3.41% | +38 bps | |
| Efficiency Ratio | 48.92% | 41.18% | 49.29% | 47.55% | 70.10% | +2,117 bps | |
| Non-Interest Burden | 1.40% | 1.19% | 1.49% | 1.42% | 2.31% | +91 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 / Loans | 0.01% | 0.01% | 1.04% | 1.01% | 0.04% | +3 bps | |
| Net Charge-Offs / Loans | 1.01% | 0.01% | 0.96% | -0.01% | 0.33% | -68 bps | |
| Allowance / Loans | 1.10% | 1.09% | 1.07% | 1.07% | 1.18% | +9 bps | |
| Allowance Coverage of NPLs | 141.1x | 140.7x | 1.0x | 1.1x | 30.9x | -110.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.75% | 12.22% | 12.21% | 11.99% | 12.16% | +41 bps | |
| Total Risk-Based Capital | 11.75% | 12.22% | 12.21% | 11.99% | 12.16% | +41 bps | |
| Equity / Assets | 5.93% | 6.79% | 6.82% | 6.90% | 6.83% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.60% | 74.91% | 67.83% | 71.28% | 69.38% | -522 bps | |
| Liquid Assets / Assets | 3.41% | 2.90% | 6.35% | 4.32% | 2.77% | -63 bps | |
| CRE / Total Capital | n/a | 239% | 223% | 234% | n/a | n/a | |