BlastPoint's Banking Scorecard

The Bank of Clovis

$100M-$1B Specialty: Agricultural NM FDIC cert 57022

Clovis, NM

7 branches across NM

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

The Bank of Clovis has 3 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

+ Net Interest Margin 0.37% above tier average
+ Efficiency Ratio 4.39% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- ROA 0.16% below tier average

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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 ?	$465.9M +20.7% YoY +2.3% QoQ	+$79.8M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$205.0M +10.3% YoY -2.7% QoQ	-$50.7M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$393.4M +22.4% YoY +3.5% QoQ	+$65.5M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	1.11% +0.9% YoY -20.2% QoQ	-0.16%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	4.30% -1.9% YoY -6.6% QoQ	+0.37%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	60.89% -4.0% YoY +5.4% QoQ	-4.39%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.10% -69.1% YoY -23.1% QoQ	-0.79%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	52.11% -9.9% YoY -5.9% QoQ	-24.53%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	Top 11.1% in tier
Non-Interest-Bearing Deposit Share ?	23.96% -7.7% YoY -6.1% QoQ	+1.94%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.04% -82.7% YoY -26.8% QoQ	-0.59%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	21.66% +0.2% YoY +3.3% QoQ	+5.83%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	Top 10.5% in tier
Non-Interest Income / Assets ?	0.15% +20.9% YoY -72.3% QoQ	-0.13%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

281

Tier 1 Capital Ratio

capital

Value: 21.66%

Peer Median: 15.83%

#281 of 2664 Top 10.5% in $100M-$1B

296

Loan-to-Deposit Ratio

liquidity

Value: 52.11%

Peer Median: 76.64%

#296 of 2664 Top 11.1% in $100M-$1B

562

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#562 of 2664 Top 21.1% in $100M-$1B

666

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.28%

#666 of 2664 Top 25.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available