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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