Community 1st Bank Las Vegas
Las Vegas, NM · Cert 16854 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · FNB Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
$293.9MAssets
$106.7MLoans
$265.8MDeposits
$27.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 182 of 748).
- Widest gap: equity / assets trails 73% of banks under $1B in assets operating in a single state (rank 546 of 752).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.66%
Rank 125 of 752
Net Interest Margin
3.87%
Rank 314 of 752
Efficiency Ratio
48.49%
Rank 91 of 752
Equity / Assets
9.18%
Rank 546 of 752
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 88% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.72% | 1.07% | 1.45% | Beats 83% | 125 / 752 | |
| Return on Equity | 18.05% | 6.78% | 10.58% | 13.65% | Beats 93% | 50 / 752 | |
| Net Interest Margin | 3.87% | 3.18% | 3.69% | 4.17% | Beats 58% | 314 / 752 | |
| Efficiency Ratio | 48.49% | 55.75% | 64.49% | 75.47% | Beats 88% | 91 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.03% | Beats 80% | 147 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 21.93% | 11.55% | 13.75% | 17.60% | Beats 86% | 103 / 752 | |
| Total Risk-Based Capital Ratio | 22.98% | 11.70% | 14.33% | 18.47% | Beats 87% | 101 / 752 | |
| Equity / Assets | 9.18% | 8.93% | 10.56% | 13.13% | Beats 27% | 546 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 40.13% | 62.23% | 78.64% | 91.26% | 5th pctl | 715 / 752 | |
| Loans / Assets | 36.30% | 54.61% | 67.41% | 76.47% | 6th pctl | 706 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |