BlastPoint's Banking Scorecard

CNB Bank

$100M-$1B Specialty: Commercial NM FDIC cert 2241

Carlsbad, NM

3 branches across NM

2664 banks in the $100M-$1B peer group nationally 22 in NM

CNB Bank 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

+ Profitability Leader: Top 8.4% in tier
+ Net Interest Margin 0.70% above tier average
+ Efficiency Ratio 16.50% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.5% in tier
- Capital Thin: Bottom 39.3% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$957.8M +6.2% YoY -3.1% QoQ	+$571.7M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	Top 1.3% in tier
Total Loans ?	$736.2M +15.5% YoY +1.8% QoQ	+$480.4M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	Top 1.4% in tier
Total Deposits ?	$865.5M +4.8% YoY -3.7% QoQ	+$537.6M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	Top 0.3% in tier
Return on Assets ?	2.21% +166.6% YoY +2.7% QoQ	+0.94%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 8.4% in tier
Net Interest Margin ?	4.63% -0.3% YoY -0.5% QoQ	+0.70%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	Top 14.6% in tier
Efficiency Ratio ?	48.79% -35.0% YoY -7.0% QoQ	-16.50%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	Top 13.9% in tier
Delinquency Rate ?	0.12% +76.8% YoY +50.8% QoQ	-0.77%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	85.05% +10.2% YoY +5.8% QoQ	+8.41%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	24.18% -2.2% YoY +3.2% QoQ	+2.16%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.09% +92.3% YoY +58.5% QoQ	-0.55%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	9.69% +3.4% YoY +6.6% QoQ	-6.14%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	Bottom 6.4% in tier
Non-Interest Income / Assets ?	0.11% -8.8% YoY -76.2% QoQ	-0.17%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	60%

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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)

Profitability Leader

growth

#57 of 666 • Top 8.4% in tier

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

Why this signature

Return on Assets: 2.21%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#152 of 1308 • Bottom 11.5% in tier

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

Why this signature

Delinquency Rate: 0.12%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Capital Thin

risk

#263 of 666 • Bottom 39.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.69%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Total Deposits

size

Value: $865.54M

Peer Median: $327.97M

#10 of 2664 Top 0.3% in $100M-$1B

Total Assets

size

Value: $957.83M

Peer Median: $386.08M

#36 of 2664 Top 1.3% in $100M-$1B

Total Loans

size

Value: $736.16M

Peer Median: $255.72M

#37 of 2664 Top 1.4% in $100M-$1B

224

Return on Assets

profitability

Value: 2.21%

Peer Median: 1.27%

#224 of 2664 Top 8.4% in $100M-$1B

372

Efficiency Ratio

profitability

Value: 48.79%

Peer Median: 65.29%

#372 of 2664 Top 13.9% in $100M-$1B

390

Net Interest Margin

profitability

Value: 4.63%

Peer Median: 3.93%

#390 of 2664 Top 14.6% in $100M-$1B

Top Weaknesses (1 metrics)

2495

Tier 1 Capital Ratio

capital

Value: 9.69%

Peer Median: 15.83%

#2495 of 2664 Bottom 6.4% in $100M-$1B