Clovis, NM · Cert 11491 · CBC Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.47% | 1.46% | 1.37% | 1.42% | 1.30% | 1.37% | 0.90% | -48 bps | |
| Return on Equity | 28.66% | 27.93% | 25.38% | 23.57% | 23.37% | 20.84% | 19.99% | 13.09% | -1,048 bps | |
| Net Interest Margin | 3.28% | 3.25% | 3.21% | 3.13% | 3.16% | 3.10% | 3.17% | 3.34% | +20 bps | |
| Efficiency Ratio | 41.17% | 43.06% | 44.33% | 46.55% | 44.77% | 45.92% | 47.55% | 59.21% | +1,265 bps | |
| Non-Interest Burden | 1.26% | 1.31% | 1.33% | 1.37% | 1.32% | 1.34% | 1.42% | 1.89% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | 3.45% | -3.34% | -0.83% | -2.03% | 0.66% | 0.52% | -0.49% | +35 bps | |
| Loan Growth (YoY) | 16.90% | 5.89% | 4.48% | -2.55% | -5.85% | -5.15% | -5.56% | -5.03% | -248 bps | |
| Deposit Growth (YoY) | 7.09% | 6.77% | -0.52% | -1.58% | -1.20% | 2.53% | 2.19% | 2.12% | +370 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.04% | 0.01% | 0.01% | 1.04% | 1.01% | 0.04% | +3 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.02% | 0.00% | 0.50% | 0.34% | 0.50% | -0.01% | 0.16% | -34 bps | |
| Allowance / Loans | 1.26% | 1.31% | 1.30% | 1.10% | 1.09% | 1.07% | 1.07% | 1.18% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.6x | 141.1x | 140.7x | 1.0x | 1.1x | 30.9x | -110.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.12% | 11.33% | 11.60% | 11.75% | 12.22% | 12.21% | 11.99% | 12.16% | +41 bps | |
| Total Risk-Based Capital | 11.12% | 11.33% | 11.60% | 11.75% | 12.22% | 12.21% | 11.99% | 12.16% | +41 bps | |
| Equity / Assets | 6.04% | 5.66% | 5.88% | 5.93% | 6.79% | 6.82% | 6.90% | 6.83% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.61% | 73.33% | 77.13% | 74.60% | 74.91% | 67.83% | 71.28% | 69.38% | -522 bps | |
| Liquid Assets / Assets | 2.22% | 5.67% | 4.28% | 3.41% | 2.90% | 6.35% | 4.32% | 2.77% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 239% | 223% | 234% | n/a | n/a | |