Albuquerque, NM · Cert 22086 · Main Banc Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
100
Profitability
79
Liquidity
36
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Albuquerque, NM · Cert 22086 · Main Banc Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Albuquerque, NM · 2026 SOD (annual) · 1.1% share · #14 of 26 inst. · $0.2B of $19.8B
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 | 1.15% | 1.25% | 1.72% | 1.64% | 1.68% | 1.79% | 1.58% | 1.65% | +1 bps | |
| Return on Equity | 12.19% | 13.13% | 16.31% | 15.22% | 15.90% | 16.70% | 14.07% | 14.45% | -77 bps | |
| Net Interest Margin | 3.24% | 3.38% | 3.81% | 4.05% | 3.94% | 3.83% | 3.98% | 4.12% | +7 bps | |
| Efficiency Ratio | 52.66% | 52.41% | 49.11% | 50.94% | 49.28% | 47.53% | 51.68% | 51.49% | +55 bps | |
| Non-Interest Burden | 1.66% | 1.72% | 1.59% | 1.89% | 1.81% | 1.71% | 2.00% | 2.06% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.64% | 3.80% | -6.36% | -5.40% | 5.78% | -3.17% | 4.83% | -0.60% | +480 bps | |
| Loan Growth (YoY) | 1.02% | 3.09% | 1.20% | 0.34% | 1.93% | -2.36% | -4.40% | -1.40% | -173 bps | |
| Deposit Growth (YoY) | 5.34% | 2.72% | -3.31% | -2.07% | 16.16% | 5.04% | 9.34% | 2.89% | +496 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.26% | 0.00% | 0.00% | 0.52% | 0.00% | 0.00% | 0.00% | 0.00% | -52 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.04% | -0.04% | -0.18% | -0.14% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.40% | 1.39% | 1.44% | 1.43% | 1.54% | 1.59% | 1.64% | 1.57% | +14 bps | |
| Allowance Coverage of NPLs | 5.5x | n/a | n/a | 2.8x | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.30% | 10.38% | 11.13% | 11.70% | 11.12% | 10.48% | 11.41% | 11.55% | -15 bps | |
| Total Risk-Based Capital | 14.24% | 14.67% | 15.17% | 15.27% | 15.47% | 15.85% | 16.44% | 16.07% | +80 bps | |
| Equity / Assets | 9.77% | 9.99% | 11.11% | 11.17% | 10.16% | 11.23% | 11.22% | 11.75% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.43% | 96.55% | 96.53% | 96.31% | 82.86% | 89.74% | 84.40% | 92.30% | -401 bps | |
| Liquid Assets / Assets | 0.61% | 0.69% | 0.87% | 3.34% | 2.49% | 1.26% | 6.55% | 7.39% | +405 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 576% | 560% | 533% | n/a | n/a | |
Albuquerque, NM · Cert 22086 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Main Banc Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.68%
Rank 115 of 746
Net Interest Margin
4.12%
Rank 201 of 746
Efficiency Ratio
51.49%
Rank 127 of 746
Equity / Assets
11.75%
Rank 255 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.68% | 0.72% | 1.06% | 1.45% | Beats 85% | 115 / 746 | ||
| Return on Equity | 14.30% | 6.74% | 10.51% | 13.63% | Beats 80% | 152 / 746 | ||
| Net Interest Margin | 4.12% | 3.17% | 3.68% | 4.16% | Beats 73% | 201 / 746 | ||
| Efficiency Ratio | 51.49% | 55.74% | 64.58% | 75.47% | Beats 83% | 127 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.82% | 11.55% | 13.75% | 17.60% | Beats 60% | 302 / 746 | ||
| Total Risk-Based Capital Ratio | 16.07% | 11.71% | 14.33% | 18.43% | Beats 64% | 270 / 746 | ||
| Equity / Assets | 11.75% | 8.90% | 10.51% | 13.06% | Beats 66% | 255 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.30% | 61.31% | 78.27% | 90.78% | 78th pctl | 163 / 746 | ||
| Loans / Assets | 79.59% | 53.60% | 66.97% | 76.08% | 84th pctl | 116 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||