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Cnb Bank
Carlsbad, NM · FDIC Certificate #2241 · Chartered 08/0
Total assets
$1.07B
Total deposits
$969.72M
Total equity
$92.69M
Net loans
$796.74M
Branches (offices)
3
Net income (YTD)
$10.86M
Rank: #987 of 4,213 U.S. banks by assets · #6 of 29 in New Mexico. Assets changed 16.6% and deposits 16.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.16% |
| Return on equity | 24.25% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 8.69% |
| Tier 1 leverage ratio | 9.73% |
| Uninsured deposits (share of deposits) | 42.5% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 82.2% |
| Real estate loans (share of loans) | 68.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $542.30M | 68.1% | |
| Commercial & industrial | $220.31M | 27.7% | |
| Consumer / individual | $48.31M | 6.1% | |
| Construction & development | $94.05M | 11.8% | |
| Agricultural | $74.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $621.65M | $564.51M | $5.49M | $55.92M |
| Jun 2023 | $724.16M | $644.20M | $7.65M | $55.09M |
| Jun 2024 | $836.17M | $765.91M | $10.09M | $66.91M |
| Jun 2025 | $914.12M | $833.43M | $6.94M | $76.36M |
| Jun 2026 | $1.07B | $969.72M | $10.86M | $92.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $969.72M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $969.72M.
Similar-sized banks
Core Bank ($1.07B) · Sound Community Bank ($1.07B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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