The Bank of Clovis
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Clovis is an FDIC-insured commercial bank headquartered in Clovis, NM, established in 2000 (FDIC certificate 57022), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $438.4M, up 9.8% from Q2 2025, the 15th largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 21.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57022
- Headquarters
- Clovis, NM
- Established
- 2000
- Total assets, Q2 2026
- $438.4M
- Assets vs Q2 2025
- +9.8%
- CET1 ratio, Q2 2026
- 21.67%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 112206776
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Clovis call report
- Holding company
- CLOVIS BANCSHARES, INC.
- Asset rank in state
- 15th of 29 in New Mexico
The Bank of Clovis, based in Clovis, New Mexico, reported $438 million in assets at June 30, 2026, up 9.8% from a year earlier. It holds commercial real estate loans equal to only 44% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 10.0% over the year, 2.5 times the median of 4.0% for banks its size.
The commercial and industrial book ($40 million) is worsening: 3.93% of it is past due or on nonaccrual, up from 2.34% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.7 million equal 15% of Tier 1 capital, down from 22% a year earlier.
As of June 30, 2026, The Bank of Clovis reported a CET1 capital ratio of 21.67%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 0.84%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Clovis is the 15th largest of the 29 banks headquartered in New Mexico. From Q1 2026 to Q2 2026, its total assets fell 5.9% to $438.4M, loans rose 2.4% and deposits fell 6.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.8% of total loans, followed by agricultural production loans at 23.3%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in NM; its Clovis 2 offices book 73% of its branch deposits. On its Q2 2026 call report, The Bank of Clovis meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 N Main St, Clovis, NM 88101
- County
- Curry
- Metro Area
- Clovis, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 16, 2000
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $367.3M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $460.6M
- Average total loans
- $212.8M
- Average interest-bearing deposits
- $288.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 2000
- FDIC Cert
- 57022
- Fed RSSD
- 2948423
- SEC CIK
- 1521764 → filed by CLOVIS BANCSHARES, INC.
- Website
- www.bankofclovis.Bank →
- Parent Holding Company
- CLOVIS BANCSHARES, INC. (RSSD 3324387)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Clovis's total assets ranged from $305.6M (Q4 2023) to $465.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$438.4M total assets against $399.1M; $394.2M total liabilities against $360.4M.
$209.8M net loans and leases against $195.7M; $367.3M total deposits against $333.8M.
$146.2M securities against $117.6M; $59.4M cash and balances due against $63.3M.
$6.2M total interest income against $5.5M; $1.4M total interest expense against $1.4M.
$4.7M net interest income against $4.2M.
$746K total noninterest income against $715K; $3.2M total noninterest expense against $2.7M.
$150K provision for credit losses against $150K.
$1.6M net income against $1.5M.
1.39% return on assets against 1.47%; 4.50% net interest margin against 4.46%.
21.67% CET1 capital ratio against 20.71%; 10.84% tier 1 leverage ratio against 11.28%.
Inside the full The Bank of Clovis terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Clovis rankings
Its closest position to the top of a national ranking is 266 of 2,134, for CET1 ratio; its furthest is 2,771 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.86% (Q3 2024) to 1.64% (Q3 2025) and its net interest margin ran from 3.88% (Q4 2024) to 4.61% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.67% | 1.39% | 0.25% | 0.84% | 4.50% |
| Q1 2026 | 21.66% | 1.12% | 0.10% | 0.42% | 4.32% |
| Q4 2025 | 20.97% | 1.24% | 0.13% | 0.58% | 4.35% |
| Q3 2025 | 20.73% | 1.64% | 0.10% | 0.45% | 4.61% |
| Q2 2025 | 20.71% | 1.47% | 0.18% | 1.76% | 4.46% |
| Q1 2025 | 21.61% | 1.09% | 0.32% | 2.38% | 4.26% |
| Q4 2024 | 21.53% | 1.06% | 0.23% | 1.11% | 3.88% |
| Q3 2024 | 22.31% | 0.86% | 0.16% | 0.68% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Clovis | Clovis , NM | 88101 | $248.8M |
| Branch of the Bank of Clovis | Logan , NM | 88426 | $44.2M |
| Clayton Branch | Clayton , NM | 88415 | $34.3M |
| North Prince Street Branch | Clovis , NM | 88101 | $20.8M |
| Bank of Tucumcari, Div. of the Bank of Clovis Branch | Tucumcari , NM | 88401 | $9.8M |
| Bank of Des Moines, A Division of the Bank of Clovis Branch | Des Moines , NM | 88418 | $9.4M |
| Bank of Tucumcari, A Division of the Bank of Clovis Branch | Tucumcari , NM | 88401 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in NM, rank 29 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $851K approved, $213K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Clovis
What are The Bank of Clovis's total assets?
As of the Q2 2026 filing, The Bank of Clovis reported total assets of $438.4 million in its FFIEC call report.
Where is The Bank of Clovis headquartered?
It is headquartered in Clovis, NM, United States.
When was The Bank of Clovis founded?
It was established in 2000, per the FDIC institution directory.
Is The Bank of Clovis FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57022). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Clovis?
The Bank of Clovis's primary federal regulator is the FDIC.
What is The Bank of Clovis's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Clovis operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Clovis's Texas Ratio?
Its Texas Ratio is 0.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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