Las Vegas, NM · Cert 16854 · FNB Financial Corp.
State charter, non-member · FDIC · 4 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.59% | 1.64% | 1.92% | 1.68% | 1.63% | 1.63% | 1.70% | -22 bps | |
| Return on Equity | 26.38% | 24.61% | 23.93% | 26.50% | 21.10% | 18.50% | 18.56% | 18.96% | -754 bps | |
| Net Interest Margin | 3.84% | 3.71% | 3.56% | 3.81% | 3.75% | 3.72% | 3.90% | 3.91% | +11 bps | |
| Efficiency Ratio | 48.21% | 44.75% | 51.17% | 44.69% | 47.14% | 23.96% | 50.05% | 46.95% | +227 bps | |
| Non-Interest Burden | 1.71% | 1.47% | 1.50% | 1.37% | 1.59% | 0.63% | 1.79% | 1.69% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.22% | 46.64% | 42.56% | 30.69% | 12.31% | 0.12% | 0.53% | -5.38% | -3,607 bps | |
| Loan Growth (YoY) | 22.12% | 13.77% | 4.51% | 3.50% | -1.87% | 4.45% | -0.61% | 16.55% | +1,305 bps | |
| Deposit Growth (YoY) | 43.68% | 46.52% | 40.75% | 28.64% | 9.33% | -2.48% | -0.94% | -7.47% | -3,611 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.03% | 0.00% | -0.20% | 0.00% | 0.00% | 0.00% | 0.00% | +20 bps | |
| Allowance / Loans | 1.26% | 1.50% | 1.44% | 1.50% | 1.50% | 1.48% | 1.50% | 1.29% | -21 bps | |
| Allowance Coverage of NPLs | 234.0x | 442.0x | 663.0x | n/a | n/a | n/a | 45.7x | 45.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.24% | 8.68% | 8.59% | 8.50% | 9.22% | 8.95% | 9.65% | 10.02% | +151 bps | |
| Total Risk-Based Capital | 18.81% | 20.84% | 22.10% | 21.80% | 24.29% | 22.19% | 24.07% | 22.98% | +119 bps | |
| Equity / Assets | 6.62% | 6.32% | 7.42% | 7.09% | 8.89% | 8.72% | 8.80% | 9.18% | +209 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.03% | 32.47% | 34.30% | 31.86% | 35.04% | 34.78% | 34.41% | 40.13% | +827 bps | |
| Liquid Assets / Assets | 6.68% | 4.94% | 8.16% | 8.22% | 7.29% | 9.38% | 7.28% | 7.28% | -94 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 211% | 220% | 197.53% | n/a | n/a | |