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
Unfavorable gap of $9.7M · efficiency ratio beats 73% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.60% | 1.01% | 1.45% | Beats 68% | 201 / 629 | | |
| Return on Equity | 12.99% | 5.38% | 9.30% | 13.28% | Beats 73% | 167 / 629 | | |
| Net Interest Margin | 3.98% | 3.03% | 3.54% | 4.05% | Beats 72% | 174 / 629 | | |
| Efficiency Ratio | 59.60% | 58.35% | 67.79% | 79.08% | Beats 73% | 172 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.09% | 0.46% | 1.20% | Beats 60% | 231 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 37% | 367 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 21.67% | 11.24% | 13.84% | 18.77% | Beats 80% | 124 / 629 | | |
| Total Risk-Based Capital Ratio | 22.93% | 11.58% | 14.43% | 19.66% | Beats 81% | 120 / 629 | | |
| Equity / Assets | 10.09% | 9.09% | 10.65% | 13.80% | Beats 40% | 375 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.14% | 67.24% | 80.90% | 93.48% | 16th pctl | 496 / 594 | | |
| Loans / Assets | 48.70% | 53.31% | 67.71% | 78.15% | 20th pctl | 503 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |