CNB Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CNB Bank of Carlsbad, NM against its peer group of 931 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 | 2.15% | 1.46% | +0.69% | 90th top |
| ROAE | 24.07% | 12.71% | +11.36% | 95th top |
| Net Interest Margin | 4.43% | 3.85% | +0.58% | 86th top |
| Efficiency Ratio | 47.93% | 57.41% | -9.48% | 80th top |
| PPNR / Avg Assets | 2.49% | 1.88% | +0.61% | 87th top |
| Yield on Earning Assets | 6.08% | 5.72% | +0.36% | 79th top |
| Cost of Funds | 1.77% | 2.02% | -0.25% | 64th above |
| Net Interest Spread | 3.74% | 3.18% | +0.56% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 1.00% | -0.94% | 91st top |
| NPA / Total Assets | 0.05% | 0.76% | -0.71% | 91st top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 74th above |
| ACL / Total Loans | 1.37% | 1.31% | +0.06% | 78th top |
| ACL / NPLs (Coverage) | 2115.62% | 542.69% | +1572.93% | — |
| Texas Ratio | 0.67% | 7.39% | -6.72% | 91st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.73% | 11.44% | -1.71% | 30th below |
| Equity / Assets | 8.69% | 11.34% | -2.65% | 16th bottom |
| TCE / Tangible Assets | 8.69% | 10.50% | -1.81% | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.31% | 86.95% | -3.64% | 63rd above |
| Core Deposit Ratio | 90.82% | 85.55% | +5.27% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.64% | 9.68% | +6.96% | 89th top |
| Loan Growth (Y/Y) | 20.36% | 8.05% | +12.31% | 92nd top |
| Deposit Growth (Y/Y) | 16.35% | 7.87% | +8.48% | 87th top |
See CNB Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock CNB Bank, 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 CNB Bank profile, how to read a UBPR, or how this data updates.