Las Vegas, NM · Cert 16854 · FNB Financial Corp.
State charter, non-member · FDIC · 4 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 | 1.44% | 1.48% | 1.64% | 1.77% | 1.76% | 1.73% | 1.63% | 1.66% | -11 bps | |
| Return on Equity | 23.13% | 23.68% | 23.93% | 25.53% | 23.70% | 22.50% | 18.56% | 18.69% | -684 bps | |
| Net Interest Margin | 3.40% | 3.24% | 3.56% | 3.64% | 3.73% | 3.77% | 3.90% | 3.87% | +23 bps | |
| Efficiency Ratio | 53.57% | 51.00% | 51.17% | 47.82% | 47.61% | 41.97% | 50.05% | 48.49% | +67 bps | |
| Non-Interest Burden | 1.72% | 1.54% | 1.50% | 1.42% | 1.50% | 1.30% | 1.79% | 1.72% | +30 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% | -0.01% | 0.00% | -0.10% | -0.07% | -0.05% | 0.00% | 0.00% | +10 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 | |