Lordsburg, NM · Cert 2249 · Lordsburg Financial Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Sierra Vista-Douglas, AZ · 2026 SOD (annual) · 5.6% share · #7 of 8 inst. · $0.1B of $1.7B
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 | 1.54% | 1.52% | 1.48% | 1.48% | 1.70% | 1.74% | 1.49% | 1.55% | +7 bps | |
| Return on Equity | 12.81% | 12.34% | 12.09% | 12.84% | 15.66% | 15.76% | 13.46% | 14.00% | +116 bps | |
| Net Interest Margin | 3.68% | 3.57% | 3.53% | 3.58% | 3.71% | 3.67% | 3.56% | 3.67% | +8 bps | |
| Efficiency Ratio | 55.49% | 55.89% | 55.45% | 55.50% | 50.42% | 49.44% | 54.41% | 53.67% | -184 bps | |
| Non-Interest Burden | 1.71% | 1.67% | 1.66% | 1.70% | 1.55% | 1.43% | 1.65% | 1.67% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | 1.99% | 4.13% | 6.64% | 10.38% | 9.91% | 10.56% | 4.55% | -209 bps | |
| Loan Growth (YoY) | -1.11% | 2.52% | -2.93% | -1.26% | -3.79% | -1.01% | 4.88% | 3.60% | +486 bps | |
| Deposit Growth (YoY) | 1.22% | 0.89% | 3.13% | 7.53% | 12.59% | 11.20% | 12.47% | 4.09% | -344 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.90% | 1.58% | 1.65% | 1.54% | 1.05% | 0.75% | 0.72% | 0.64% | -90 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.22% | 0.00% | 0.00% | 0.15% | 0.70% | -0.06% | -0.09% | -9 bps | |
| Allowance / Loans | 2.17% | 2.08% | 2.23% | 2.12% | 2.16% | 1.96% | 2.00% | 1.94% | -18 bps | |
| Allowance Coverage of NPLs | 2.4x | 1.3x | 1.4x | 1.4x | 2.1x | 2.6x | 2.8x | 3.0x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.58% | 13.56% | 13.51% | 11.96% | 11.89% | 11.74% | 11.96% | 12.21% | +25 bps | |
| Total Risk-Based Capital | 39.07% | 37.60% | 38.04% | 33.71% | 34.17% | 33.70% | 33.70% | 34.21% | +50 bps | |
| Equity / Assets | 12.58% | 12.13% | 12.34% | 10.78% | 10.96% | 11.17% | 10.96% | 11.22% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.87% | 29.50% | 27.17% | 26.84% | 25.52% | 26.26% | 25.34% | 26.71% | -13 bps | |
| Liquid Assets / Assets | 39.94% | 37.77% | 37.15% | 38.76% | 38.94% | 36.18% | 37.67% | 36.31% | -245 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 45.69% | 51.93% | 49.77% | n/a | n/a | |