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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.58% | 1.83% | 2.00% | 1.58% | 1.70% | +13 bps | |
| Return on Equity | 14.14% | 17.20% | 18.72% | 14.07% | 14.84% | +70 bps | |
| Net Interest Margin | 4.16% | 4.22% | 4.12% | 3.98% | 4.25% | +9 bps | |
| Efficiency Ratio | 52.86% | 46.13% | 42.58% | 51.68% | 51.31% | -155 bps | |
| Non-Interest Burden | 2.14% | 1.88% | 1.69% | 2.00% | 2.12% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.40% | 5.78% | -3.17% | 4.83% | -0.60% | +480 bps | |
| Loan Growth (YoY) | 0.34% | 1.93% | -2.36% | -4.40% | -1.40% | -173 bps | |
| Deposit Growth (YoY) | -2.07% | 16.16% | 5.04% | 9.34% | 2.89% | +496 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.00% | 0.00% | 0.00% | 0.00% | -52 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.47% | 0.00% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.43% | 1.54% | 1.59% | 1.64% | 1.57% | +14 bps | |
| Allowance Coverage of NPLs | 2.8x | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.70% | 11.12% | 10.48% | 11.41% | 11.55% | -15 bps | |
| Total Risk-Based Capital | 15.27% | 15.47% | 15.85% | 16.44% | 16.07% | +80 bps | |
| Equity / Assets | 11.17% | 10.16% | 11.23% | 11.22% | 11.75% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.31% | 82.86% | 89.74% | 84.40% | 92.30% | -401 bps | |
| Liquid Assets / Assets | 3.34% | 2.49% | 1.26% | 6.55% | 7.39% | +405 bps | |
| CRE / Total Capital | n/a | 576% | 560% | 533% | n/a | n/a | |