CNB Bank
Total assets
$1.07B
▲ +16.6% YoY
Deposits
$969.7M
▲ +16.4% YoY
Loans
$796.7M
▲ +20.4% YoY
Offices
3
CARLSBAD BCORP INC
ROA (annualized)
2.16%
peers 1.26%
ROE (annualized)
24.25%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | CNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.6% | +5.5% | +11.2 pts |
| Deposit growth (YoY) | +16.4% | +5.1% | +11.3 pts |
| Loan growth (YoY) | +20.4% | +5.9% | +14.5 pts |
| ROA | 2.16% | 1.26% | +0.9 pts |
| ROE | 24.3% | 12.2% | +12.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
Profile
- Established
- 1924
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CARLSBAD BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 202 W Stevens St, Carlsbad, NM, 88220
- County
- Eddy
- Metro area
- Carlsbad-Artesia, NM
- Offices
- 3
- FDIC cert #
- 2241
- RSSD ID
- 219651
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.07B | $969.7M | $796.7M | $92.7M | $10.9M | 2.16% | 4.50% | 0.07% |
| Q1 2026 | $957.8M | $865.5M | $736.2M | $89.1M | $5.4M | 2.21% | 4.63% | 0.09% |
| Q4 2025 | $988.6M | $899.0M | $722.8M | $86.9M | $20.3M | 2.16% | 4.66% | 0.06% |
| Q3 2025 | $1.03B | $938.6M | $700.3M | $82.1M | $13.5M | 1.94% | 4.59% | 0.09% |
| Q2 2025 | $914.1M | $833.4M | $661.7M | $76.4M | $6.9M | 1.54% | 4.64% | 0.05% |
| Q1 2025 | $902.2M | $825.7M | $637.5M | $73.0M | $1.9M | 0.83% | 4.65% | 0.05% |
| Q4 2024 | $886.7M | $810.2M | $609.9M | $73.8M | $19.3M | 2.27% | 4.52% | 0.12% |
| Q3 2024 | $872.1M | $793.6M | $596.3M | $75.2M | $15.8M | 2.51% | 4.51% | 0.33% |
Loan mix (Q2 2026): real estate $542.3M · commercial $220.3M · consumer $48.3M · securities $154.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 1.26% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 24.3% | 12.2% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.70% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 59.0% | 20th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | CNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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