The Bank of Clovis: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Clovis of Clovis, NM against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.35% | +0.04% | 57th above |
| ROAE | 14.44% | 12.05% | +2.39% | 63rd above |
| Net Interest Margin | 4.50% | 3.90% | +0.60% | 79th top |
| Efficiency Ratio | 57.62% | 63.15% | -5.53% | 61st above |
| PPNR / Avg Assets | 1.97% | 1.64% | +0.33% | 71st above |
| Yield on Earning Assets | 5.86% | 5.65% | +0.21% | 62nd above |
| Cost of Funds | 1.42% | 1.85% | -0.43% | 73rd above |
| Net Interest Spread | 3.96% | 3.35% | +0.61% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.92% | -0.67% | 60th above |
| NPA / Total Assets | 0.12% | 0.67% | -0.55% | 67th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 36th below |
| ACL / Total Loans | 1.73% | 1.28% | +0.45% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 681.77% | 1645.55% | -963.78% | 77th top |
| Texas Ratio | 1.13% | 7.15% | -6.02% | 71st above |
| Provision / NCO | 4285.71% | 1187.33% | +3098.38% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.67% | 20.83% | +0.84% | 81st top |
| Tier 1 Ratio | 21.67% | 20.86% | +0.81% | 81st top |
| Total Capital Ratio | 22.93% | 21.93% | +1.00% | 82nd top |
| Leverage Ratio | 10.84% | 12.46% | -1.62% | 47th below |
| Equity / Assets | 10.09% | 11.67% | -1.58% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.09% | 11.40% | -1.31% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.14% | 78.65% | -20.51% | 85th top |
| Core Deposit Ratio | 91.08% | 87.09% | +3.99% | 61st above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.31% | 5.11% | -0.80% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.85% | 6.47% | +3.38% | 82nd top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.53% | 7.64% | -0.11% | 63rd above |
| Deposit Growth (Y/Y) | 10.02% | 6.02% | +4.00% | 83rd top |
See The Bank of Clovis's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Bank of Clovis, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of Clovis profile, how to read a UBPR, or how this data updates.