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Community 1st Bank Las Vegas

Las Vegas, NM · Cert 16854 · FNB Financial Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$293.9MAssets
$106.7MLoans
$265.8MDeposits
$27.0MEquity
Loan mix
82%RE $74.9M15%C&I $13.7M3%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $187.3M30%Noninterest $78.5MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.46%Q2 ’254.53%Q2 ’26+1%+3%

Non-interest income vs. expense

2.13%Q2 ’241.97%Q2 ’251.97%Q2 ’26-30%+23%

Executive Summary

  • Earnings: ROA of 1.70%, down 22 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.02%, up 151 bps from a year ago.
  • Funding: loans stand at 40.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.70%-22 bps YoY

Net Interest Margin (quarter, annualized)

3.91%+11 bps YoY

Efficiency Ratio (quarter, annualized)

46.95%+227 bps YoY

Tier 1 Leverage Ratio

10.02%+151 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.92%1.68%1.63%1.63%1.70%-22 bps
Return on Equity26.50%21.10%18.50%18.56%18.96%-754 bps
Net Interest Margin3.81%3.75%3.72%3.90%3.91%+11 bps
Efficiency Ratio44.69%47.14%23.96%50.05%46.95%+227 bps
Non-Interest Burden1.37%1.59%0.63%1.79%1.69%+32 bps
Growth
Asset Growth (YoY)30.69%12.31%0.12%0.53%-5.38%-3,607 bps
Loan Growth (YoY)3.50%-1.87%4.45%-0.61%16.55%+1,305 bps
Deposit Growth (YoY)28.64%9.33%-2.48%-0.94%-7.47%-3,611 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.03%0.03%+3 bps
Net Charge-Offs / Loans-0.20%0.00%0.00%0.00%0.00%+20 bps
Allowance / Loans1.50%1.50%1.48%1.50%1.29%-21 bps
Allowance Coverage of NPLsn/an/an/a45.7x45.7xn/a
Capital
Tier 1 Leverage Ratio8.50%9.22%8.95%9.65%10.02%+151 bps
Total Risk-Based Capital21.80%24.29%22.19%24.07%22.98%+119 bps
Equity / Assets7.09%8.89%8.72%8.80%9.18%+209 bps
Liquidity & Funding
Loans / Deposits31.86%35.04%34.78%34.41%40.13%+827 bps
Liquid Assets / Assets8.22%7.29%9.38%7.28%7.28%-94 bps
CRE / Total Capitaln/a211%220%197.53%n/an/a