CNB BANK

CARLSBAD, NM | Medium | Est. Aug. 1, 1924, midnight | FDIC #2241 | RSSD #219651 | FDIC
Latest Report: 2025-12-31

CNB BANK is amn medium FDIC-insured commercial bank headquartered in CARLSBAD, NM, established in Aug. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $989M and total deposits of $899M. Profitability stands at 2.70% ROA and 32.17% ROE, with a net interest margin of 4.95%. The bank's CET1 capital ratio is 8.71%. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.28%. FDIC Certificate #2241.

Assets

$989M

Deposits

$899M

Loans

$733M

Equity

$87M

Profitability

Return on Assets (ROA) 2.70%
Return on Equity (ROE) 32.17%
Net Interest Margin (NIM) 4.95%
Yield on Assets 6.53%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.28%
NPA Ratio 0.03%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 8.71%
Tier 1 Capital 8.71%
Total Capital Ratio 9.15%
Leverage Ratio 9.10%
Loan-to-Deposit 81.54%

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