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Tucumcari Federal Savings & Loan Association

Tucumcari, NM · Cert 29059

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

64

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

8

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tucumcari Federal Savings & Loan Association

Tucumcari, NM · Cert 29059

State savings bank · OCC · 1 branch

Q2 2026

$38.4MAssets
$24.4MLoans
$29.2MDeposits
$5.8MEquity
Loan mix
100%RE $25.0M0%C&I $0.0M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
98%Interest-bearing $28.7M2%Noninterest $0.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.09%, down 26 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 1.02% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.22%, down 36 bps from a year ago.
  • Funding: loans stand at 83.53% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.09%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-20 bps YoY

Efficiency Ratio (YTD, annualized)

97.73%+1,021 bps YoY

Tier 1 Leverage Ratio

15.22%-36 bps YoY

NIM

5.97%Q2 ’246.03%Q2 ’255.64%Q2 ’26+14%-6%

Non-interest income vs. expense

2.47%Q2 ’242.97%Q2 ’253.13%Q2 ’26+24%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.27%0.32%0.35%0.19%0.27%0.12%0.09%-26 bps
Return on Equity1.62%1.92%2.12%2.32%1.22%1.73%0.76%0.59%-173 bps
Net Interest Margin2.97%3.02%3.18%3.30%3.36%3.35%3.22%3.10%-20 bps
Efficiency Ratio90.08%89.06%87.78%87.52%93.60%91.96%96.47%97.73%+1,021 bps
Non-Interest Burden2.66%2.68%2.78%2.88%3.14%3.07%3.10%3.03%+15 bps
Growth
Asset Growth (YoY)-5.10%-4.98%-5.70%-6.54%-5.42%-3.34%4.10%3.11%+965 bps
Loan Growth (YoY)-3.75%-4.22%-6.34%-4.21%-4.66%-4.45%-6.55%-9.06%-485 bps
Deposit Growth (YoY)4.31%2.39%-0.46%-1.04%-5.71%-3.19%7.33%7.66%+870 bps
Asset Quality
Nonperforming Loans / Loans0.97%1.71%1.02%1.01%0.93%0.98%1.01%1.02%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.03%1.05%1.07%1.05%1.05%1.05%1.09%1.09%+4 bps
Allowance Coverage of NPLs1.1x0.6x1.1x1.0x1.1x1.1x1.1x1.1x0.0x
Capital
Tier 1 Leverage Ratio14.45%14.82%15.16%15.58%15.77%15.84%15.57%15.22%-36 bps
Total Risk-Based Capital14.45%14.82%15.16%15.58%15.77%15.84%15.57%15.22%-36 bps
Equity / Assets14.69%14.78%15.25%15.41%15.68%15.70%14.89%15.09%-32 bps
Liquidity & Funding
Loans / Deposits100.17%100.21%99.18%98.89%101.29%98.90%86.35%83.53%-1,536 bps
Liquid Assets / Assets11.57%12.23%13.06%13.05%11.55%13.44%20.61%21.41%+836 bps
CRE / Total Capitaln/an/an/an/a77.34%74.97%66.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tucumcari Federal Savings & Loan Association

Tucumcari, NM · Cert 29059 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 1 branch

Q2 2026

$38.4MAssets
$24.4MLoans
$29.2MDeposits
$5.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: efficiency ratio trails 92% of banks under $1B in assets (rank 580 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.09%

Rank 573 of 629

Net Interest Margin

3.10%

Rank 454 of 629

Efficiency Ratio

97.73%

Rank 580 of 629

Equity / Assets

15.09%

Rank 142 of 629

Non-interest income vs. expense

$0.0M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.2M · efficiency ratio beats 8% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.09%0.60%1.01%1.45%Beats 9%573 / 629n/a
Return on Equity0.59%5.38%9.30%13.28%Beats 9%573 / 629n/a
Net Interest Margin3.10%3.03%3.54%4.05%Beats 28%454 / 629n/a
Efficiency Ratio97.73%58.35%67.79%79.08%Beats 8%580 / 629n/a
Asset Quality
Nonperforming Loans / Loans1.02%0.09%0.46%1.20%Beats 30%410 / 581n/a
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581n/a
Capital
Tier 1 Capital Ratio15.22%11.24%13.84%18.77%Beats 61%244 / 629n/a
Total Risk-Based Capital Ratio15.22%11.58%14.43%19.66%Beats 55%285 / 629n/a
Equity / Assets15.09%9.09%10.65%13.80%Beats 77%142 / 629n/a
Liquidity & Funding
Loans / Deposits83.53%67.24%80.90%93.48%53rd pctl278 / 594n/a
Loans / Assets63.60%53.31%67.71%78.15%42nd pctl364 / 629n/a
Brokered Deposits / Depositsn/aNot reported for this institution