CNB Bank
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
$1.1BAssets
$807.8MLoans
$969.7MDeposits
$92.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks $1B-$10B in assets operating in a single state (rank 21 of 258).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets operating in a single state (rank 246 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $18.7M · efficiency ratio beats 83% of banks $1B-$10B 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 | 1.60% | 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 |