Carlsbad, NM · Cert 2241 · Carlsbad Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.12% | 1.25% | 0.65% | 1.76% | 2.14% | 2.13% | 1.74% | 1.70% | -6 bps | |
| Return on Equity | 25.42% | 14.77% | 7.97% | 21.40% | 26.18% | 25.39% | 19.25% | 18.89% | -251 bps | |
| Net Interest Margin | 4.28% | 4.28% | 4.40% | 4.41% | 4.51% | 4.36% | 4.38% | 4.30% | -11 bps | |
| Efficiency Ratio | 31.69% | 59.32% | 75.09% | 47.20% | 47.37% | 42.14% | 48.79% | 48.23% | +103 bps | |
| Non-Interest Burden | 1.03% | 2.36% | 3.18% | 1.78% | 1.90% | 1.57% | 1.91% | 1.81% | +2 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 | 0.00% | 0.74% | -0.01% | -0.05% | 0.01% | -0.01% | 0.00% | 0.00% | +5 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 | |