The Bank of Clovis: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1072.42 percentage points lower than in Q1 2026, at 681.77%. The Bank of Clovis ranks 20th of 29 New Mexico banks on return on assets, in the lower half at 1.39% (Q2 2026). The Bank of Clovis reported 1.39% on return on assets for Q2 2026, 0.13 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.67% |
| Tier 1 risk-based capital ratio | 21.67% |
| Total risk-based capital ratio | 22.93% |
| Tier 1 leverage ratio | 10.84% |
| Equity capital to assets | 10.09% |
| Tangible equity to tangible assets | 10.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.13% |
| Allowance for credit losses to loans | 1.73% |
| Reserve coverage of non-performing loans | 681.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 14.44% |
| Net interest margin | 4.50% |
| Efficiency ratio | 57.62% |
| Yield on earning assets | 5.86% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.14% |
| Core deposits to total deposits | 91.08% |
| Brokered deposits to total deposits | 2.72% |
| Deposits to assets | 83.77% |
| Securities to assets | 33.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.84% | 18.84% | 20.09% | 9.85% | 1.24% |
| Q4 2023 | 19.35% | 19.35% | 20.60% | 10.60% | 1.22% |
| Q1 2024 | 18.87% | 18.87% | 20.12% | 10.84% | 0.47% |
| Q2 2024 | 19.39% | 19.39% | 20.65% | 10.57% | 1.30% |
| Q3 2024 | 22.31% | 22.31% | 23.56% | 12.21% | 0.86% |
| Q4 2024 | 21.53% | 21.53% | 22.78% | 11.25% | 1.06% |
| Q1 2025 | 21.61% | 21.61% | 22.86% | 11.49% | 1.09% |
| Q2 2025 | 20.71% | 20.71% | 21.96% | 11.28% | 1.47% |
| Q3 2025 | 20.73% | 20.73% | 21.99% | 11.44% | 1.64% |
| Q4 2025 | 20.97% | 20.97% | 22.23% | 10.46% | 1.24% |
| Q1 2026 | 21.66% | 21.66% | 22.91% | 10.81% | 1.12% |
| Q2 2026 | 21.67% | 21.67% | 22.93% | 10.84% | 1.39% |
The Bank of Clovis vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Clovis, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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