Carlsbad, NM · Cert 2241 · Carlsbad Bcorp Inc.
State charter, non-member · FDIC · 3 branches
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 $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
89
Profitability
86
Liquidity
87
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.
Carlsbad, NM · Cert 2241 · Carlsbad Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.98% | 1.80% | 0.65% | 1.21% | 1.52% | 1.70% | 1.74% | 1.70% | +49 bps | |
| Return on Equity | 24.99% | 22.43% | 7.97% | 14.67% | 18.59% | 20.46% | 19.25% | 19.03% | +436 bps | |
| Net Interest Margin | 4.06% | 4.10% | 4.40% | 4.38% | 4.31% | 4.04% | 4.38% | 4.29% | -9 bps | |
| Efficiency Ratio | 38.00% | 43.56% | 75.09% | 60.96% | 56.28% | 52.48% | 48.79% | 48.51% | -1,245 bps | |
| Non-Interest Burden | 1.28% | 1.55% | 3.18% | 2.46% | 2.21% | 1.91% | 1.91% | 1.84% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.88% | 10.78% | 5.85% | 9.32% | 17.58% | 11.49% | 6.17% | 16.64% | +731 bps | |
| Loan Growth (YoY) | 12.44% | 10.64% | 11.40% | 13.42% | 17.40% | 18.67% | 15.60% | 20.36% | +693 bps | |
| Deposit Growth (YoY) | 5.52% | 9.97% | 5.01% | 8.82% | 18.28% | 10.96% | 4.82% | 16.35% | +754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.17% | 0.07% | 0.06% | 0.13% | 0.08% | 0.12% | 0.09% | +3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.19% | -0.01% | -0.03% | -0.01% | -0.01% | 0.00% | 0.00% | +3 bps | |
| Allowance / Loans | 1.39% | 1.26% | 1.31% | 1.41% | 1.36% | 1.40% | 1.41% | 1.37% | -4 bps | |
| Allowance Coverage of NPLs | 2.9x | 7.6x | 19.7x | 24.8x | 10.1x | 18.0x | 12.1x | 16.0x | -8.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 9.53% | 9.37% | 9.52% | 9.59% | 9.10% | 9.69% | 9.73% | +21 bps | |
| Total Risk-Based Capital | 9.41% | 9.53% | 9.37% | 9.52% | 9.59% | 9.10% | 9.69% | 9.73% | +21 bps | |
| Equity / Assets | 8.63% | 8.32% | 8.09% | 8.35% | 8.01% | 8.79% | 9.30% | 8.69% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.20% | 76.24% | 78.23% | 80.54% | 75.63% | 81.54% | 86.27% | 83.31% | +277 bps | |
| Liquid Assets / Assets | 8.30% | 7.85% | 7.49% | 6.34% | 13.66% | 7.89% | 4.43% | 7.65% | +130 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 371% | 385% | 413% | n/a | n/a | |
Carlsbad, NM · Cert 2241 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Carlsbad Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.60%
Rank 54 of 258
Net Interest Margin
4.29%
Rank 31 of 258
Efficiency Ratio
48.51%
Rank 44 of 257
Equity / Assets
8.69%
Rank 215 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.93% | 1.23% | 1.54% | Beats 79% | 54 / 258 | ||
| Return on Equity | 18.39% | 9.26% | 11.84% | 14.74% | Beats 92% | 21 / 258 | ||
| Net Interest Margin | 4.29% | 3.16% | 3.49% | 3.88% | Beats 88% | 31 / 258 | ||
| Efficiency Ratio | 48.51% | 51.71% | 60.30% | 69.65% | Beats 83% | 44 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.19% | 0.46% | 0.90% | Beats 89% | 29 / 258 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 88% | 34 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.73% | 11.41% | 12.98% | 15.12% | Beats 5% | 246 / 258 | ||
| Total Risk-Based Capital Ratio | 9.73% | 12.10% | 13.91% | 16.08% | Beats 5% | 246 / 258 | ||
| Equity / Assets | 8.69% | 9.09% | 10.24% | 11.72% | Beats 17% | 215 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.31% | 73.24% | 86.34% | 95.95% | 40th pctl | 154 / 258 | ||
| Loans / Assets | 75.77% | 63.01% | 72.27% | 78.40% | 62nd pctl | 99 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||