BlastPoint's Banking Scorecard

The Citizens Bank of Clovis

$100M-$1B Specialty: Commercial NM FDIC cert 11491

Clovis, NM

5 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
Deposits +2.1% year over year ($439.9M on the books).
Delinquency rate 0.04%.
Return on assets 1.38%.
Efficiency ratio 55.88% vs a 64.48% peer average.
Loan-to-deposit ratio 68.56% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM

View $100M-$1B leaderboard (NM) →

The Citizens Bank of Clovis has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 7.3% in tier
+ ROA 0.06% above tier average
+ Efficiency Ratio 8.60% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.8% in tier
- Margin Compression: Bottom 18.9% in tier
- Cost Spiral: Bottom 40.6% in tier
- Net Interest Margin 0.42% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$493.1M -0.6% YoY -2.0% QoQ	+$106.5M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	71%
Total Loans ?	$301.6M -5.1% YoY -3.5% QoQ	+$43.3M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	68%
Total Deposits ?	$439.9M +2.1% YoY -0.8% QoQ	+$113.2M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	1.38% -21.0% YoY -21.0% QoQ	+0.06%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	58%
Net Interest Margin ?	3.57% +5.4% YoY +3.4% QoQ	-0.42%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	55.88% +20.0% YoY +17.5% QoQ	-8.60%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	70%
Delinquency Rate ?	0.04% +393.2% YoY -96.2% QoQ	-0.88%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	68.56% -7.1% YoY -2.8% QoQ	-9.40%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	25.05% +2.6% YoY +2.5% QoQ	+3.02%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.59% -51.6% YoY -6.7% QoQ	-0.08%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	12.16% +3.5% YoY +1.4% QoQ	-3.75%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.25% +201.5% YoY +504.5% QoQ	-0.32%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Noninterest-Bearing	25.0% +0.6pp YoY +0.6pp QoQ	+2.9pp	22.1%	34.1%	22.2%	66%
Brokered Deposits	6.6% -0.3pp YoY 0.0pp QoQ	-1.3pp	7.9%	5.2%	8.5%	61%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	9.5% +2.5pp YoY -2.4pp QoQ	-2.0pp	11.6%	20.2%	12.5%	50%
CRE	48.0% -2.7pp YoY +2.1pp QoQ	+8.4pp	39.5%	50.8%	41.4%	67%
1-4 Family	5.0% +0.8pp YoY +0.4pp QoQ	-27.7pp	32.6%	20.2%	31.3%	5%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-3.7pp	4.1%	3.8%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.0%	19.7%	n/a
Leverage Ratio	12.2% +0.4pp YoY +0.2pp QoQ	0.0pp	12.2%	13.9%	12.6%	66%
Total Capital Ratio	n/a	n/a	19.9%	27.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	52 -1 (-1.9%) YoY 0 QoQ	-7	58	75	482	56%
Assets per Employee ($)	$9.5M +1.3% YoY -2.0% QoQ	+$2.0M	$7.5M	$7.6M	$8.8M	83%
Branch Count	5 0 YoY 0 QoQ	0	4	6	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY -1.0pp QoQ	-0.9pp	0.9%	1.1%	1.0%	9%
Allowance Coverage	30.89x -78.1% YoY +2822.9% QoQ	+6.74x	24.15x	56.44x	20.23x	92%
Net Charge-off Rate (YTD)	0.2% -0.3pp YoY +0.2pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	20.1% -9.9pp YoY -5.3pp QoQ	+7.9pp	12.2%	18.9%	11.6%	88%
Cost of Funds (YTD)	1.9% -0.4pp YoY +0.1pp QoQ	+0.2pp	1.7%	1.0%	1.7%	66%
Net Income ($, YTD)	$3.5M -20.8% YoY — QoQ	+$931K	$2.6M	$5.6M	$40.4M	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#49 of 659 • Top 7.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (3)

Credit Quality Pressure

risk

#87 of 1256 • Bottom 6.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Margin Compression

decline

#59 of 307 • Bottom 18.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.38%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk

#57 of 138 • Bottom 40.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 55.88%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

498

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#498 of 2633 Top 18.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available