CNB Bank (Carlsbad, NM)
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Data as of · sourced from FFIEC call reports. How we update
CNB Bank is an FDIC-insured commercial bank headquartered in Carlsbad, NM, established in 1924 (FDIC certificate 2241), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.07B, up 16.6% from Q2 2025, the 6th largest of 29 banks headquartered in New Mexico. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.73% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2241
- Headquarters
- Carlsbad, NM
- Established
- 1924
- Total assets, Q2 2026
- $1.07B
- Assets vs Q2 2025
- +16.6%
- Tier 1 leverage ratio, Q2 2026
- 9.73%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 112201797
- Holding company
- CARLSBAD BANCORPORATION, INC.
- Asset rank in state
- 6th of 29 in New Mexico
CNB Bank is one of the more profitable banks of its size. Based in Carlsbad, New Mexico, it had $1.1 billion in assets at June 30, 2026, up 16.6% from a year earlier. It returns 24.1% a year on shareholders' equity, about double the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also grew its loan book 20.4% over the year, 3.4 times the median of 5.9% for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 20.4% and deposits rose 16.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.5 million equal 7% of Tier 1 capital, down from 13% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, CNB Bank reported a return on assets of 2.15%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, CNB Bank is the 6th largest of the 29 banks headquartered in New Mexico. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 11.3% to $1.07B, loans rose 8.2% and deposits rose 12.0%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 27.3% of total loans, followed by non-owner-occupied commercial real estate loans at 23.7%. Its 3 offices in the FDIC Summary of Deposits are in Carlsbad, NM. Judged on its Q2 2026 call report, CNB Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 W Stevens St, Carlsbad, NM 88220
- County
- Eddy
- Metro Area
- Carlsbad-Artesia, 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
- August 1, 1924
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 119
- Domestic deposits
- $969.7M
- Allowance for credit losses
- $11.1M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $1.02B
- Average total loans
- $786.6M
- Average interest-bearing deposits
- $678.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2241
- Fed RSSD
- 219651
- SEC CIK
- 784010 → filed by CARLSBAD BANCORPORATION, INC.
- Website
- http://www.ourcnb.bank →
- Parent Holding Company
- CARLSBAD BANCORPORATION, INC. (RSSD 1131527)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, CNB Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
CNB Bank's total assets moved between a low of $800.4M (Q4 2023) and a high of $1.07B (Q2 2026) from Q3 2023 to Q2 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
$1.07B total assets against $914.1M; $973.5M total liabilities against $837.8M.
$796.7M net loans and leases against $661.7M; $969.7M total deposits against $833.4M.
$154.4M securities against $164.1M; $85.0M cash and balances due against $61.0M.
$15.1M total interest income against $13.1M; $4.1M total interest expense against $2.9M.
$11.0M net interest income against $10.2M.
$1.3M total noninterest income against $1.3M; $5.9M total noninterest expense against $5.4M.
$580K provision for credit losses against $975K.
$5.5M net income against $5.1M.
2.15% return on assets against 2.20%; 4.43% net interest margin against 4.53%.
9.73% tier 1 leverage ratio against 9.52%.
Inside the full CNB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
CNB Bank rankings
Its closest position to the top of a national ranking is 357 of 3,611, for ROA; its furthest is 2,874 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.81% (Q1 2025) to 2.75% (Q3 2025) and its net interest margin ran from 4.38% (Q3 2024) to 4.63% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.73% | 2.15% | 0.09% | 0.67% | 4.43% |
| Q1 2026 | 9.69% | 2.17% | 0.12% | 0.88% | 4.50% |
| Q4 2025 | 9.10% | 2.59% | 0.08% | 0.59% | 4.49% |
| Q3 2025 | 9.59% | 2.75% | 0.13% | 1.04% | 4.63% |
| Q2 2025 | 9.52% | 2.20% | 0.06% | 0.55% | 4.53% |
| Q1 2025 | 9.37% | 0.81% | 0.07% | 0.53% | 4.52% |
| Q4 2024 | 9.53% | 1.55% | 0.17% | 1.26% | 4.38% |
| Q3 2024 | 9.41% | 2.56% | 0.48% | 3.49% | 4.38% |
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Branch Network
View all 3 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 |
|---|---|---|---|
| CNB Bank (main office) | Carlsbad , NM | 88220 | $969.7M |
| North Branch | Carlsbad , NM | 88220 | $0 |
| Cnb Bank South Branch | Carlsbad , NM | 88220 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action November 6, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.1% of deposits in NM, rank 13 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $166K approved, $83K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 CNB Bank
What are CNB Bank's total assets?
As of the Q2 2026 filing, CNB Bank reported total assets of $1.07 billion in its FFIEC call report.
Where is CNB Bank headquartered?
It is headquartered in Carlsbad, NM, United States.
When was CNB Bank founded?
It was established in 1924, per the FDIC institution directory.
Is CNB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CNB Bank?
CNB Bank's primary federal regulator is the FDIC.
How many branches does CNB Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CNB Bank's Texas Ratio?
Its Texas Ratio is 0.67% 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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