The Bank of Clovis: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 5.12 percentage points in Q2 2026, from 53.02% to 58.14%. It was the largest change from Q1 2026 among the key lines here. The Bank of Clovis ranks 16th of 29 New Mexico banks on loan-to-deposit ratio, in the lower half at 58.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Bank of Clovis sits 22.70 points lower, at 58.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $213.5M |
| Net loans and leases | $209.8M |
| Loans held for sale | $0 |
| Loans to total assets | 48.70% |
| Loan-to-deposit ratio | 58.14% |
| Net loans to equity capital | 4.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.20% |
| Multifamily (5+ residential) | 1.62% |
| Commercial and industrial | 18.57% |
| Consumer | 5.18% |
| Credit cards | 0.00% |
| Farm | 8.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.80% |
| Construction concentration (Tier 1 capital + allowance) | 7.74% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $169.2M | $258.5M | 18.41% | 22.21% | 6.64% |
| Q4 2023 | $166.7M | $245.1M | 18.89% | 22.19% | 6.81% |
| Q1 2024 | $172.5M | $262.0M | 18.18% | 22.58% | 6.63% |
| Q2 2024 | $171.5M | $272.1M | 12.14% | 22.48% | 6.65% |
| Q3 2024 | $174.2M | $299.3M | 12.10% | 21.57% | 6.67% |
| Q4 2024 | $186.5M | $328.2M | 11.90% | 19.95% | 6.42% |
| Q1 2025 | $188.7M | $321.5M | 13.61% | 19.86% | 5.89% |
| Q2 2025 | $198.6M | $333.8M | 12.85% | 21.25% | 5.61% |
| Q3 2025 | $203.6M | $352.8M | 12.98% | 21.34% | 5.66% |
| Q4 2025 | $214.0M | $380.1M | 12.81% | 18.01% | 5.40% |
| Q1 2026 | $208.6M | $393.4M | 13.05% | 19.75% | 5.38% |
| Q2 2026 | $213.5M | $367.3M | 13.20% | 18.57% | 5.18% |
The Bank of Clovis loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Clovis, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Clovis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57022) · FFIEC NIC profile (RSSD 2948423)