Albuquerque, NM · Cert 12258 · Las Vegas Bcorp Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Albuquerque, NM · 2026 SOD (annual) · 0.7% share · #17 of 26 inst. · $0.1B of $19.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 2.40% | 1.28% | 2.10% | 1.14% | 1.09% | 1.04% | 0.90% | -121 bps | |
| Return on Equity | 14.75% | 27.28% | 14.60% | 24.48% | 12.95% | 11.73% | 10.73% | 9.10% | -1,538 bps | |
| Net Interest Margin | 4.13% | 4.38% | 4.03% | 4.03% | 4.09% | 4.50% | 3.94% | 3.97% | -5 bps | |
| Efficiency Ratio | 66.04% | 59.03% | 62.33% | 63.67% | 64.55% | 67.17% | 69.16% | 71.51% | +784 bps | |
| Non-Interest Burden | 2.56% | 2.38% | 2.37% | 2.45% | 2.55% | 2.94% | 2.65% | 2.79% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 9.38% | 15.13% | 6.83% | 1.09% | 0.20% | -5.60% | -4.74% | -1,157 bps | |
| Loan Growth (YoY) | 1.47% | -0.04% | -2.73% | 3.81% | 7.88% | 13.98% | 17.79% | 30.15% | +2,634 bps | |
| Deposit Growth (YoY) | 8.75% | 8.96% | 15.59% | 6.39% | 0.70% | -0.72% | -6.98% | -6.38% | -1,276 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.18% | 1.15% | 0.46% | 0.45% | 1.44% | 2.14% | 2.07% | 1.66% | +121 bps | |
| Net Charge-Offs / Loans | -0.01% | -2.76% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.03% | +4 bps | |
| Allowance / Loans | 2.24% | 2.27% | 2.27% | 1.44% | 1.44% | 1.45% | 1.44% | 1.28% | -16 bps | |
| Allowance Coverage of NPLs | 0.5x | 2.0x | 4.9x | 3.2x | 1.0x | 0.7x | 0.7x | 0.8x | -2.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.69% | 10.13% | 10.05% | 9.75% | 9.67% | 10.51% | 10.71% | 10.82% | +106 bps | |
| Total Risk-Based Capital | 9.69% | 19.31% | 19.35% | 18.50% | 18.24% | 17.76% | 18.04% | 16.72% | -178 bps | |
| Equity / Assets | 8.61% | 9.00% | 8.56% | 8.63% | 9.02% | 9.52% | 9.88% | 9.80% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.08% | 41.55% | 39.39% | 40.21% | 44.01% | 47.70% | 49.88% | 55.89% | +1,569 bps | |
| Liquid Assets / Assets | 37.61% | 38.95% | 43.11% | 43.60% | 30.34% | 26.33% | 29.81% | 25.30% | -1,830 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 300% | 314% | 317% | n/a | n/a | |