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Bank of Clovis, The

Clovis, NM · Cert 57022 · Clovis Bancshares Inc.

State charter, non-member · FDIC · 7 branches

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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

73

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

Bank of Clovis, The

Clovis, NM · Cert 57022 · Clovis Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$438.4MAssets
$213.5MLoans
$367.3MDeposits
$44.2MEquity
Loan mix
67%RE $106.4M26%C&I $41.2M7%Consumer $11.2MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $270.4M26%Noninterest $96.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.27%, down 4 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.25% of loans (+7 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.84%, down 44 bps from a year ago.
  • Funding: loans stand at 58.14% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.27%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+6 bps YoY

Efficiency Ratio (YTD, annualized)

59.60%+53 bps YoY

Tier 1 Leverage Ratio

10.84%-44 bps YoY

NIM

5.46%Q2 ’245.21%Q2 ’255.22%Q2 ’26+1%+2%

Non-interest income vs. expense

3.01%Q2 ’242.66%Q2 ’252.75%Q2 ’26-20%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.94%1.10%1.31%1.42%1.39%1.11%1.27%-4 bps
Return on Equity9.84%10.41%11.44%13.60%14.65%14.31%11.58%13.03%-57 bps
Net Interest Margin3.73%3.45%3.90%3.91%3.98%3.67%3.90%3.97%+6 bps
Efficiency Ratio67.67%67.35%63.43%59.06%57.22%57.78%60.89%59.60%+53 bps
Non-Interest Burden2.39%2.18%2.29%2.07%2.02%1.89%2.13%2.11%+4 bps
Growth
Asset Growth (YoY)18.60%27.49%20.00%19.39%12.93%16.88%20.66%9.85%-954 bps
Loan Growth (YoY)2.98%11.87%9.40%15.76%16.88%14.75%10.53%7.53%-823 bps
Deposit Growth (YoY)15.77%33.88%22.73%22.67%17.89%15.82%22.37%10.02%-1,266 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.23%0.32%0.18%0.10%0.13%0.10%0.25%+7 bps
Net Charge-Offs / Loans0.27%0.36%0.07%0.05%-0.13%-0.06%0.00%0.01%-4 bps
Allowance / Loans1.68%1.44%1.48%1.47%1.64%1.59%1.71%1.73%+26 bps
Allowance Coverage of NPLs10.4x6.2x4.7x8.2x16.4x12.6x17.5x6.8x-1.3x
Capital
Tier 1 Leverage Ratio12.21%11.25%11.49%11.28%11.44%10.46%10.81%10.84%-44 bps
Total Risk-Based Capital23.56%22.78%22.86%21.96%21.99%22.23%22.91%22.93%+97 bps
Equity / Assets10.14%9.34%9.83%9.69%9.98%9.59%9.52%10.09%+39 bps
Liquidity & Funding
Loans / Deposits58.20%56.83%58.70%59.48%57.71%56.31%53.02%58.14%-135 bps
Liquid Assets / Assets15.66%12.01%8.83%3.42%3.07%12.69%12.47%5.57%+215 bps
CRE / Total Capitaln/an/an/an/a71.44%72.70%71.01%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

Bank of Clovis, The

Clovis, NM · Cert 57022 · Peer group: banks under $1B in assets (n=581-629) · Clovis Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$438.4MAssets
$213.5MLoans
$367.3MDeposits
$44.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 81% of banks under $1B in assets (rank 120 of 629).
  • Widest gap: net charge-offs / loans trails 63% of banks under $1B in assets (rank 367 of 581).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.31%

Rank 201 of 629

Net Interest Margin

3.98%

Rank 174 of 629

Efficiency Ratio

59.60%

Rank 172 of 629

Equity / Assets

10.09%

Rank 375 of 629

Non-interest income vs. expense

$2.9M$12.7MINCOMEEXPENSE
Unfavorable gap of $9.7M · efficiency ratio beats 73% of banks under $1B in assets
Bank 59.60%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.31%0.60%1.01%1.45%Beats 68%201 / 629
Return on Equity12.99%5.38%9.30%13.28%Beats 73%167 / 629
Net Interest Margin3.98%3.03%3.54%4.05%Beats 72%174 / 629
Efficiency Ratio59.60%58.35%67.79%79.08%Beats 73%172 / 629
Asset Quality
Nonperforming Loans / Loans0.25%0.09%0.46%1.20%Beats 60%231 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 37%367 / 581
Capital
Tier 1 Capital Ratio21.67%11.24%13.84%18.77%Beats 80%124 / 629
Total Risk-Based Capital Ratio22.93%11.58%14.43%19.66%Beats 81%120 / 629
Equity / Assets10.09%9.09%10.65%13.80%Beats 40%375 / 629
Liquidity & Funding
Loans / Deposits58.14%67.24%80.90%93.48%16th pctl496 / 594
Loans / Assets48.70%53.31%67.71%78.15%20th pctl503 / 629
Brokered Deposits / Depositsn/aNot reported for this institution