| Metric | The Bank of Clovis | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.5 pts |
| Deposit growth (YoY) | +10.0% | +4.0% | +6.1 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.7 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 13.0% | 11.9% | +1.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $438.4M | $367.3M | $209.8M | $44.2M | $2.9M | 1.27% | 4.51% | 0.12% |
| Q1 2026 | $465.9M | $393.4M | $205.0M | $44.3M | $1.3M | 1.11% | 4.30% | 0.04% |
| Q4 2025 | $455.3M | $380.1M | $210.6M | $43.7M | $5.7M | 1.39% | 4.61% | 0.06% |
| Q3 2025 | $422.7M | $352.8M | $200.3M | $42.2M | $4.3M | 1.42% | 4.60% | 0.05% |
| Q2 2025 | $399.1M | $333.8M | $195.7M | $38.7M | $2.6M | 1.31% | 4.55% | 0.18% |
| Q1 2025 | $386.1M | $321.5M | $185.9M | $37.9M | $1.1M | 1.10% | 4.38% | 0.25% |
| Q4 2024 | $389.6M | $328.2M | $183.8M | $36.4M | $3.3M | 0.94% | 4.33% | 0.11% |
| Q3 2024 | $374.3M | $299.3M | $171.3M | $38.0M | $2.2M | 0.88% | 4.37% | 0.07% |
Loan mix (Q2 2026): real estate $113.2M · commercial $39.7M · consumer $11.1M · securities $146.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Clovis | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 59.6% |
| 62.9% |
| — |
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% |
| Ratio | The Bank of Clovis | 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% |
| Ratio | The Bank of Clovis | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Bank of Clovis | 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% |
| Ratio | The Bank of Clovis | 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% |
| Ratio | The Bank of Clovis | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 3 counties across 1 state (+3 vs 2024) · $333.8M branch deposits. Biggest market: Curry, NM, ranked 2nd with 21.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Curry, NM | 2 | $270.8M | 21.49% | 2nd |
| Quay, NM | 3 | $36.6M | 11.71% | 4th |
| Union, NM | 2 | $26.4M | 16.45% | 3rd |
New Mexico: 40th with 0.54% ·
Branch count: 2022 2 · 2023 2 · 2024 4 · 2025 7