BlastPoint's Banking Scorecard

The Bank of Clovis

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

Clovis, NM

7 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 +10.0% year over year ($367.3M on the books).
Delinquency rate 0.26%.
Return on assets 1.27%.
Efficiency ratio 59.60% vs a 64.48% peer average.
Loan-to-deposit ratio 57.13% 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 Bank of Clovis has 3 strengths but faces 3 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

+ Net Interest Margin 0.53% above tier average
+ Efficiency Ratio 4.88% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.0% in tier
- Credit Risk Growth: Bottom 29.4% in tier
- ROA 0.05% below tier average

Get updates when The Bank of Clovis releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$438.4M +9.8% YoY -5.9% QoQ	+$51.9M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$209.8M +7.2% YoY +2.3% QoQ	-$48.5M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	50%
Total Deposits ?	$367.3M +10.0% YoY -6.6% QoQ	+$40.6M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	1.27% -3.1% YoY +14.6% QoQ	-0.05%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	4.51% -0.9% YoY +4.9% QoQ	+0.53%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	80%
Efficiency Ratio ?	59.60% +0.9% YoY -2.1% QoQ	-4.88%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.26% +41.0% YoY +161.4% QoQ	-0.66%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	57.13% -2.5% YoY +9.6% QoQ	-20.82%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	Top 14.4% in tier
Non-Interest-Bearing Deposit Share ?	26.39% -7.3% YoY +10.2% QoQ	+4.36%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.12% -32.7% YoY +184.2% QoQ	-0.55%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	21.67% +4.7% YoY +0.1% QoQ	+5.76%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	Top 11.0% in tier
Non-Interest Income / Assets ?	0.33% +10.4% YoY +116.5% QoQ	-0.23%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	77%

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	26.4% -2.1pp YoY +2.4pp QoQ	+4.2pp	22.1%	34.1%	22.2%	71%
Brokered Deposits	2.7% -0.3pp YoY +0.2pp QoQ	-5.1pp	7.9%	5.2%	8.5%	36%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	18.9% -2.7pp YoY -1.2pp QoQ	+7.3pp	11.6%	20.2%	12.5%	86%
CRE	17.1% +0.1pp YoY 0.0pp QoQ	-22.5pp	39.5%	50.8%	41.4%	13%
1-4 Family	28.3% +1.0pp YoY +1.3pp QoQ	-4.4pp	32.6%	20.2%	31.3%	48%
Consumer	5.3% -0.4pp YoY -0.2pp QoQ	+1.2pp	4.1%	3.8%	5.0%	78%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	21.7% +1.0pp YoY 0.0pp QoQ	+2.8pp	18.8%	26.0%	19.7%	82%
Leverage Ratio	10.8% -0.4pp YoY 0.0pp QoQ	-1.3pp	12.2%	13.9%	12.6%	47%
Total Capital Ratio	22.9% +1.0pp YoY 0.0pp QoQ	+3.0pp	19.9%	27.1%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	59 +7 (+13.5%) YoY +3 (+5.4%) QoQ	+0	58	75	482	62%
Assets per Employee ($)	$7.4M -3.2% YoY -10.7% QoQ	-$87K	$7.5M	$7.6M	$8.8M	60%
Branch Count	7 0 YoY 0 QoQ	+2	4	6	18	75%

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	0.3% +0.1pp YoY +0.2pp QoQ	-0.7pp	0.9%	1.1%	1.0%	35%
Allowance Coverage	6.82x -16.4% YoY -61.1% QoQ	-17.34x	24.15x	56.44x	20.23x	76%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	13.0% -0.6pp YoY +1.4pp QoQ	+0.8pp	12.2%	18.9%	11.6%	56%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.0%	1.7%	30%
Net Income ($, YTD)	$2.9M +12.1% YoY — QoQ	+$318K	$2.6M	$5.6M	$40.4M	68%

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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 (2)

Credit Quality Pressure

risk

#239 of 1256 • Bottom 19.0% in tier

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

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#276 of 936 • Bottom 29.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 (4 metrics)

293

Tier 1 Capital Ratio

capital

Value: 21.67%

Peer Median: 15.91%

#293 of 2643 Top 11.0% in $100M-$1B

381

Loan-to-Deposit Ratio

liquidity

Value: 57.13%

Peer Median: 77.95%

#381 of 2643 Top 14.4% in $100M-$1B

523

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.99%

#523 of 2643 Top 19.8% in $100M-$1B

598

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#598 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available