PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $11.2MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $270.4M26%Noninterest $96.9MQ2 2025Q2 2026

NIM

5.94%Q2 ’245.42%Q2 ’255.35%Q2 ’26-6%+0%

Non-interest income vs. expense

2.90%Q2 ’242.65%Q2 ’252.77%Q2 ’26-20%+9%

Executive Summary

  • Earnings: ROA of 1.41%, down 11 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.25% of loans (+7 bps YoY), with net charge-offs at 0.02%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.41%-11 bps YoY

Net Interest Margin (quarter, annualized)

4.09%0 bps YoY

Efficiency Ratio (quarter, annualized)

58.37%+315 bps YoY

Tier 1 Leverage Ratio

10.84%-44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.65%1.30%1.11%1.41%-11 bps
Return on Equity15.66%16.82%13.33%11.58%14.44%-121 bps
Net Interest Margin4.09%4.22%3.99%3.90%4.09%0 bps
Efficiency Ratio55.21%53.83%59.27%60.89%58.37%+315 bps
Non-Interest Burden1.94%1.99%2.12%2.13%2.12%+17 bps
Growth
Asset Growth (YoY)19.39%12.93%16.88%20.66%9.85%-954 bps
Loan Growth (YoY)15.76%16.88%14.75%10.53%7.53%-823 bps
Deposit Growth (YoY)22.67%17.89%15.82%22.37%10.02%-1,266 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.10%0.13%0.10%0.25%+7 bps
Net Charge-Offs / Loans0.04%-0.50%0.14%0.00%0.02%-2 bps
Allowance / Loans1.47%1.64%1.59%1.71%1.73%+26 bps
Allowance Coverage of NPLs8.2x16.4x12.6x17.5x6.8x-1.3x
Capital
Tier 1 Leverage Ratio11.28%11.44%10.46%10.81%10.84%-44 bps
Total Risk-Based Capital21.96%21.99%22.23%22.91%22.93%+97 bps
Equity / Assets9.69%9.98%9.59%9.52%10.09%+39 bps
Liquidity & Funding
Loans / Deposits59.48%57.71%56.31%53.02%58.14%-135 bps
Liquid Assets / Assets3.42%3.07%12.69%12.47%5.57%+215 bps
CRE / Total Capitaln/a71.44%72.70%71.01%n/an/a