Main Bank
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
$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 105 of 743).
- Widest gap: tier 1 capital ratio trails 40% of banks under $1B in assets operating in a single state (rank 302 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
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 | 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 |