Main Bank
Albuquerque, NM · Cert 22086 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Main Banc Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$245.2MAssets
$195.2MLoans
$211.4MDeposits
$28.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
- Widest gap: tier 1 capital ratio trails 41% of banks under $1B in assets operating in a single state (rank 308 of 755).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.68%
Rank 120 of 755
Net Interest Margin
4.12%
Rank 206 of 755
Efficiency Ratio
51.49%
Rank 129 of 755
Equity / Assets
11.75%
Rank 266 of 755
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 83% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.72% | 1.06% | 1.45% | Beats 84% | 120 / 755 | |
| Return on Equity | 14.30% | 6.66% | 10.44% | 13.61% | Beats 79% | 155 / 755 | |
| Net Interest Margin | 4.12% | 3.15% | 3.68% | 4.17% | Beats 73% | 206 / 755 | |
| Efficiency Ratio | 51.49% | 55.75% | 64.78% | 75.61% | Beats 83% | 129 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 14.82% | 11.56% | 13.81% | 17.74% | Beats 59% | 308 / 755 | |
| Total Risk-Based Capital Ratio | 16.07% | 11.72% | 14.46% | 18.53% | Beats 63% | 277 / 755 | |
| Equity / Assets | 11.75% | 8.93% | 10.56% | 13.13% | Beats 65% | 266 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 92.30% | 62.43% | 78.62% | 91.00% | 78th pctl | 168 / 755 | |
| Loans / Assets | 79.59% | 54.70% | 67.27% | 76.55% | 83rd pctl | 125 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |