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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 $0.1MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $28.7M2%Noninterest $0.6MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.19%0.27%0.12%0.09%-26 bps
Return on Equity2.32%1.22%1.73%0.76%0.59%-173 bps
Net Interest Margin3.30%3.36%3.35%3.22%3.10%-20 bps
Efficiency Ratio87.52%93.60%91.96%96.47%97.73%+1,021 bps
Non-Interest Burden2.88%3.14%3.07%3.10%3.03%+15 bps
Growth
Asset Growth (YoY)-6.54%-5.42%-3.34%4.10%3.11%+965 bps
Loan Growth (YoY)-4.21%-4.66%-4.45%-6.55%-9.06%-485 bps
Deposit Growth (YoY)-1.04%-5.71%-3.19%7.33%7.66%+870 bps
Asset Quality
Nonperforming Loans / Loans1.01%0.93%0.98%1.01%1.02%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.05%1.05%1.05%1.09%1.09%+4 bps
Allowance Coverage of NPLs1.0x1.1x1.1x1.1x1.1x0.0x
Capital
Tier 1 Leverage Ratio15.58%15.77%15.84%15.57%15.22%-36 bps
Total Risk-Based Capital15.58%15.77%15.84%15.57%15.22%-36 bps
Equity / Assets15.41%15.68%15.70%14.89%15.09%-32 bps
Liquidity & Funding
Loans / Deposits98.89%101.29%98.90%86.35%83.53%-1,536 bps
Liquid Assets / Assets13.05%11.55%13.44%20.61%21.41%+836 bps
CRE / Total Capitaln/a77.34%74.97%66.12%n/an/a