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 | |