Las Cruces, NM · Cert 20161 · Amador Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Las Cruces, NM · 2026 SOD (annual) · 28.1% share · #1 of 17 inst. · $0.9B of $3.3B
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% | 1.68% | 1.67% | 1.68% | 1.75% | 1.98% | 1.76% | 1.78% | +10 bps | |
| Return on Equity | 17.19% | 17.64% | 17.49% | 17.41% | 17.90% | 20.09% | 17.92% | 18.00% | +59 bps | |
| Net Interest Margin | 4.00% | 4.16% | 4.22% | 4.30% | 4.29% | 4.48% | 4.52% | 4.61% | +32 bps | |
| Efficiency Ratio | 53.34% | 51.16% | 53.09% | 53.60% | 52.23% | 48.01% | 52.69% | 53.08% | -52 bps | |
| Non-Interest Burden | 1.89% | 1.90% | 1.99% | 1.99% | 1.95% | 1.86% | 2.16% | 2.23% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.72% | 4.68% | 4.74% | 10.01% | 4.34% | 9.53% | 10.36% | 6.26% | -375 bps | |
| Loan Growth (YoY) | 3.84% | 1.19% | 0.87% | 2.31% | 7.77% | 14.40% | 20.15% | 21.75% | +1,945 bps | |
| Deposit Growth (YoY) | 11.86% | 7.97% | 7.37% | 9.63% | 3.78% | 9.18% | 9.33% | 5.88% | -374 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.45% | 0.42% | 0.40% | 0.43% | +43 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.09% | 0.00% | 0.00% | -0.01% | 0.00% | -0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.43% | 1.43% | 1.47% | 1.50% | 1.47% | 1.40% | 1.37% | 1.37% | -13 bps | |
| Allowance Coverage of NPLs | 59.2x | 917.1x | n/a | n/a | 3.2x | 3.3x | 3.5x | 3.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.69% | 10.30% | 10.56% | 10.80% | 10.44% | 10.27% | 10.33% | 10.42% | -38 bps | |
| Total Risk-Based Capital | 15.38% | 15.31% | 15.13% | 15.43% | 14.82% | 13.64% | 13.32% | 13.45% | -198 bps | |
| Equity / Assets | 9.59% | 9.45% | 9.69% | 9.63% | 9.96% | 9.77% | 9.84% | 9.93% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.98% | 75.34% | 74.76% | 71.86% | 75.78% | 78.94% | 82.16% | 82.63% | +1,077 bps | |
| Liquid Assets / Assets | 8.53% | 4.67% | 5.37% | 9.66% | 5.16% | 2.48% | 0.72% | 1.57% | -810 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 472% | 499% | 506% | n/a | n/a | |