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Community 1st Bank Las Vegas

$100M-$1B Specialty: Commercial NM FDIC cert 16854

Designations: ✓ Minority Depository Institution

Las Vegas, NM

4 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 -7.5% year over year ($265.8M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 2.12%.
  • Efficiency ratio 48.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 39.61% 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) →

Community 1st Bank Las Vegas has 4 strengths but faces 2 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 9.4% in tier
  • + ROA 0.80% above tier average
  • + Net Interest Margin 0.07% above tier average
  • + Efficiency Ratio 15.98% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.4% in tier
  • - Credit Quality Pressure: Bottom 6.0% in tier
Get updates when Community 1st Bank Las Vegas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $293.9M
-5.4% YoY +0.5% QoQ
-$92.7M $386.6M
+1.2% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $105.3M
+16.8% YoY +16.9% QoQ
-$153.0M $258.3M
+1.7% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $265.8M
-7.5% YoY +0.1% QoQ
-$60.9M $326.7M
+0.7% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 2.12%
-6.1% YoY +2.5% QoQ
+0.80% 1.32%
+10.8% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
Top 10.8% in tier
Net Interest Margin ? 4.06%
+4.0% YoY +0.8% QoQ
+0.07% 3.99%
+5.0% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 48.49%
+1.4% YoY -3.1% QoQ
-15.98% 64.48%
-3.2% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
Top 14.0% in tier
Delinquency Rate ? 0.03%
-14.5% QoQ
-0.89% 0.92%
+15.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 39.61%
+26.2% YoY +16.9% QoQ
-38.34% 77.95%
+1.0% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
Top 4.0% in tier
Non-Interest-Bearing Deposit Share ? 29.52%
-20.2% YoY -4.6% QoQ
+7.49% 22.03%
-0.6% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.01%
-0.5% QoQ
-0.66% 0.67%
+16.4% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
Top 13.8% in tier
Tier 1 Capital Ratio ? 21.93%
+6.1% YoY -4.3% QoQ
+6.02% 15.91%
+1.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
Top 10.6% in tier
Non-Interest Income / Assets ? 0.15%
-50.7% YoY +84.6% QoQ
-0.42% 0.57%
+7.6% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
34%

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 29.5%
-7.5pp YoY
-1.4pp QoQ
 +7.4pp 22.1% 34.1% 22.2% 81%
Brokered Deposits n/a n/a 7.9% 5.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 15.3%
+2.7pp YoY
+0.2pp QoQ
 +3.8pp 11.6% 20.2% 12.5% 77%
CRE 63.7%
+0.4pp YoY
+3.2pp QoQ
 +24.2pp 39.5% 50.8% 41.4% 88%
1-4 Family 16.1%
-4.6pp YoY
-3.0pp QoQ
 -16.5pp 32.6% 20.2% 31.3% 21%
Consumer 2.9%
+1.2pp YoY
-0.3pp QoQ
 -1.2pp 4.1% 3.8% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio 21.9%
+1.3pp YoY
-1.0pp QoQ
 +3.1pp 18.8% 26.0% 19.7% 83%
Leverage Ratio 10.0%
+1.5pp YoY
+0.4pp QoQ
 -2.2pp 12.2% 13.9% 12.6% 32%
Total Capital Ratio 23.0%
+1.2pp YoY
-1.1pp QoQ
 +3.0pp 19.9% 27.1% 20.8% 83%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 34
-2 (-5.6%) YoY
-5 (-12.8%) QoQ
 -25 58 75 482 33%
Assets per Employee ($) $8.6M
+0.2% YoY
+15.3% QoQ
 +$1.1M $7.5M $7.6M $8.8M 76%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

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 QoQ
 -0.9pp 0.9% 1.1% 1.0% 7%
Allowance Coverage 45.73x
0.0% QoQ
 +21.58x 24.15x 56.44x 20.23x 94%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 23.8%
-8.7pp YoY
+0.2pp QoQ
 +11.6pp 12.2% 18.9% 11.6% 95%
Cost of Funds (YTD) 0.7%
0.0pp YoY
0.0pp QoQ
 -1.1pp 1.7% 1.0% 1.7% 3%
Net Income ($, YTD) $3.1M
-7.6% YoY
— QoQ
 +$547K $2.6M $5.6M $40.4M 71%

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
#63 of 659 • Top 9.4% in tier

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

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#3 of 535 • Bottom 0.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#77 of 1256 • Bottom 6.0% in tier

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

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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

Top Strengths (7 metrics)

107
Loan-to-Deposit Ratio
liquidity
Value: 39.61%
Peer Median: 77.95%
#107 of 2643 Top 4.0% in $100M-$1B
281
Tier 1 Capital Ratio
capital
Value: 21.93%
Peer Median: 15.91%
#281 of 2643 Top 10.6% in $100M-$1B
286
Return on Assets
profitability
Value: 2.12%
Peer Median: 1.32%
#286 of 2643 Top 10.8% in $100M-$1B
367
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#367 of 2643 Top 13.8% in $100M-$1B
370
Efficiency Ratio
profitability
Value: 48.49%
Peer Median: 64.48%
#370 of 2643 Top 14.0% in $100M-$1B
455
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#455 of 2633 Top 17.2% in $100M-$1B
511
Non-Interest-Bearing Deposit Share
funding
Value: 29.52%
Peer Median: 22.03%
#511 of 2643 Top 19.3% in $100M-$1B

Top Weaknesses (1 metrics)

2104
Total Loans
size
Value: $105.31M
Peer Median: $258.35M
#2104 of 2643 Bottom 20.4% in $100M-$1B
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