BlastPoint

BlastPoint's Banking Scorecard

CNB Bank

$1B-$10B Specialty: Commercial NM FDIC cert 2241

Designations: ✓ Community bank

Carlsbad, NM

3 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 885 banks in the $1B-$10B peer group nationwide — 1 of 6 in NM.
  • Deposits +16.4% year over year ($969.7M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 2.16%.
  • Efficiency ratio 48.51% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.16% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 6 in NM
View $1B-$10B leaderboard (NM) →

CNB Bank has 4 strengths but faces 1 concern

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

  • + Profitability Leader: Top 9.0% in tier
  • + Credit Quality Leader: Top 30.8% in tier
  • + Net Interest Margin 0.63% above tier average
  • + Efficiency Ratio 11.22% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.1% in tier
Get updates when CNB Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $1.1B
+16.6% YoY +11.3% QoQ
-$1.7B $2.8B
-0.6% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
Bottom 6.6% in tier
Total Loans ? $796.7M
+20.4% YoY +8.2% QoQ
-$1.2B $2.0B
-0.3% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
Bottom 14.0% in tier
Total Deposits ? $969.7M
+16.4% YoY +12.0% QoQ
-$1.3B $2.3B
-0.5% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
Bottom 13.0% in tier
Return on Assets ? 2.16%
+40.4% YoY -2.3% QoQ
+0.77% 1.39%
+17.0% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
Top 7.6% in tier
Net Interest Margin ? 4.50%
-3.1% YoY -2.9% QoQ
+0.63% 3.87%
+6.2% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
Top 12.7% in tier
Efficiency Ratio ? 48.51%
-20.4% YoY -0.6% QoQ
-11.22% 59.73%
-12.6% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.09%
+50.3% YoY -26.7% QoQ
-0.78% 0.87%
+11.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
Top 10.7% in tier
Loan-to-Deposit Ratio ? 82.16%
+3.5% YoY -3.4% QoQ
-2.87% 85.04%
-0.1% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 22.62%
-11.7% YoY -6.5% QoQ
+1.34% 21.27%
-1.5% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.06%
+24.8% YoY -28.8% QoQ
-0.61% 0.67%
+11.7% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
Top 10.5% in tier
Tier 1 Capital Ratio ? 9.73%
+2.2% YoY +0.4% QoQ
-5.11% 14.84%
-0.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
Bottom 3.6% in tier
Non-Interest Income / Assets ? 0.23%
-14.9% YoY +97.9% QoQ
-0.30% 0.53%
+2.5% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
36%

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 22.6%
-3.0pp YoY
-1.6pp QoQ
 +1.2pp 21.4% 34.1% 22.2% 62%
Brokered Deposits 13.3%
+5.5pp YoY
+5.8pp QoQ
 +3.8pp 9.5% 5.2% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
C&I 27.7%
-2.1pp YoY
+1.5pp QoQ
 +13.6pp 14.0% 20.2% 12.5% 89%
CRE 53.7%
+5.3pp YoY
-0.4pp QoQ
 +3.7pp 50.0% 50.8% 41.4% 62%
1-4 Family 12.8%
-1.5pp YoY
-0.7pp QoQ
 -13.6pp 26.4% 20.2% 31.3% 24%
Consumer 6.1%
-2.5pp YoY
-0.6pp QoQ
 +1.3pp 4.7% 3.8% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 26.0% 19.7% n/a
Leverage Ratio 9.7%
+0.2pp YoY
0.0pp QoQ
 -1.6pp 11.3% 13.9% 12.6% 30%
Total Capital Ratio n/a n/a 16.7% 27.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 119
+10 (+9.2%) YoY
0 QoQ
 -195 313 75 482 13%
Assets per Employee ($) $9.0M
+6.8% YoY
+11.3% QoQ
 -$1.5M $10.5M $7.6M $8.8M 53%
Branch Count 3
0 YoY
0 QoQ
 -17 20 6 18 8%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 42%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.8% 1.1% 1.0% 7%
Allowance Coverage 16.03x
-35.3% YoY
+32.7% QoQ
 -2.68x 18.71x 56.44x 20.23x 93%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 24.2%
+5.6pp YoY
-0.2pp QoQ
 +11.7pp 12.6% 18.9% 11.6% 96%
Cost of Funds (YTD) 1.5%
+0.2pp YoY
+0.1pp QoQ
 -0.4pp 1.9% 1.0% 1.7% 25%
Net Income ($, YTD) $10.9M
+56.4% YoY
— QoQ
 -$8.4M $19.2M $5.6M $40.4M 43%

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 (2)

Profitability Leader

growth
#21 of 222 • Top 9.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.16%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#69 of 221 • Top 30.8% in tier

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

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (1)

Credit Quality Pressure

risk
#26 of 492 • Bottom 5.1% in tier

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

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

68
Return on Assets
profitability
Value: 2.16%
Peer Median: 1.39%
#68 of 885 Top 7.6% in $1B-$10B
94
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#94 of 885 Top 10.5% in $1B-$10B
95
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.87%
#95 of 882 Top 10.7% in $1B-$10B
113
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.87%
#113 of 885 Top 12.7% in $1B-$10B
171
Efficiency Ratio
profitability
Value: 48.51%
Peer Median: 59.73%
#171 of 885 Top 19.2% in $1B-$10B

Top Weaknesses (4 metrics)

854
Tier 1 Capital Ratio
capital
Value: 9.73%
Peer Median: 14.84%
#854 of 885 Bottom 3.6% in $1B-$10B
828
Total Assets
size
Value: $1.07B
Peer Median: $2.79B
#828 of 885 Bottom 6.6% in $1B-$10B
771
Total Deposits
size
Value: $969.72M
Peer Median: $2.32B
#771 of 885 Bottom 13.0% in $1B-$10B
762
Total Loans
size
Value: $796.74M
Peer Median: $1.96B
#762 of 885 Bottom 14.0% in $1B-$10B
Powered by BlastPoint © 2026