Clovis, NM · Cert 57022 · Clovis Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.09% | 1.10% | 1.53% | 1.65% | 1.30% | 1.11% | 1.41% | -11 bps | |
| Return on Equity | 9.34% | 11.23% | 11.44% | 15.66% | 16.82% | 13.33% | 11.58% | 14.44% | -121 bps | |
| Net Interest Margin | 3.93% | 3.66% | 3.90% | 4.09% | 4.22% | 3.99% | 3.90% | 4.09% | 0 bps | |
| Efficiency Ratio | 63.99% | 66.51% | 63.43% | 55.21% | 53.83% | 59.27% | 60.89% | 58.37% | +315 bps | |
| Non-Interest Burden | 2.36% | 2.21% | 2.29% | 1.94% | 1.99% | 2.12% | 2.13% | 2.12% | +17 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 / Loans | 0.16% | 0.23% | 0.32% | 0.18% | 0.10% | 0.13% | 0.10% | 0.25% | +7 bps | |
| Net Charge-Offs / Loans | 0.56% | 0.69% | 0.07% | 0.04% | -0.50% | 0.14% | 0.00% | 0.02% | -2 bps | |
| Allowance / Loans | 1.68% | 1.44% | 1.48% | 1.47% | 1.64% | 1.59% | 1.71% | 1.73% | +26 bps | |
| Allowance Coverage of NPLs | 10.4x | 6.2x | 4.7x | 8.2x | 16.4x | 12.6x | 17.5x | 6.8x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.21% | 11.25% | 11.49% | 11.28% | 11.44% | 10.46% | 10.81% | 10.84% | -44 bps | |
| Total Risk-Based Capital | 23.56% | 22.78% | 22.86% | 21.96% | 21.99% | 22.23% | 22.91% | 22.93% | +97 bps | |
| Equity / Assets | 10.14% | 9.34% | 9.83% | 9.69% | 9.98% | 9.59% | 9.52% | 10.09% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.20% | 56.83% | 58.70% | 59.48% | 57.71% | 56.31% | 53.02% | 58.14% | -135 bps | |
| Liquid Assets / Assets | 15.66% | 12.01% | 8.83% | 3.42% | 3.07% | 12.69% | 12.47% | 5.57% | +215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 71.44% | 72.70% | 71.01% | n/a | n/a | |