Main Bank: 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 Loan-to-deposit ratio: 7.89 percentage points higher than in Q1 2026, at 92.30%. Main Bank ranks 11th of 29 New Mexico banks on return on assets, in the upper half at 2.13% (Q2 2026). Main Bank's return on assets of 2.13% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.82% |
| Tier 1 risk-based capital ratio | 14.82% |
| Total risk-based capital ratio | 16.07% |
| Tier 1 leverage ratio | 11.55% |
| Equity capital to assets | 11.75% |
| Tangible equity to tangible assets | 11.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.13% |
| Return on equity | 18.91% |
| Net interest margin | 4.38% |
| Efficiency ratio | 51.31% |
| Yield on earning assets | 6.02% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.30% |
| Core deposits to total deposits | 88.56% |
| Brokered deposits to total deposits | 2.36% |
| Deposits to assets | 86.23% |
| Securities to assets | 7.02% |
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 | 12.77% | 12.77% | 13.97% | 10.05% | 1.13% |
| Q4 2023 | 12.97% | 12.97% | 14.21% | 10.29% | 1.28% |
| Q1 2024 | 12.98% | 12.98% | 14.23% | 10.39% | 1.48% |
| Q2 2024 | 12.85% | 12.85% | 14.10% | 10.21% | 1.36% |
| Q3 2024 | 12.99% | 12.99% | 14.24% | 10.30% | 1.53% |
| Q4 2024 | 13.42% | 13.42% | 14.67% | 10.38% | 1.92% |
| Q1 2025 | 13.92% | 13.92% | 15.17% | 11.13% | 2.17% |
| Q2 2025 | 14.02% | 14.02% | 15.27% | 11.70% | 2.01% |
| Q3 2025 | 14.22% | 14.22% | 15.47% | 11.12% | 2.34% |
| Q4 2025 | 14.60% | 14.60% | 15.85% | 10.48% | 2.43% |
| Q1 2026 | 15.19% | 15.19% | 16.44% | 11.41% | 1.99% |
| Q2 2026 | 14.82% | 14.82% | 16.07% | 11.55% | 2.13% |
Main Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Bank, 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 Main Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22086) · FFIEC NIC profile (RSSD 430054)