BlastPoint's Banking Scorecard
CNB Bank
Community
Specialty: Commercial
NM
FDIC cert 2241
Carlsbad, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
CNB Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.99% above tier
- + Net Interest Margin 0.99% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$988.6M
+11.5% YoY
-3.6% QoQ
|
-$402.9M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$722.8M
+18.5% YoY
+3.2% QoQ
|
-$252.7M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$899.0M
+11.0% YoY
-4.2% QoQ
|
-$265.6M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
2.16%
-5.1% YoY
+11.3% QoQ
|
+0.99% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.66%
+3.0% YoY
+1.5% QoQ
|
+0.99% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
52.48%
+20.5% YoY
-6.7% QoQ
|
-10.15% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.08%
-53.5% YoY
-42.2% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
80.40%
+6.8% YoY
+7.8% QoQ
|
-2.67% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
23.43%
-0.7% YoY
-3.4% QoQ
|
+2.38% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.06%
-50.5% YoY
-38.1% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.48%
+13.1% YoY
+40.2% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Community
Why this stands out
Current:
2.16%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Community
Why this stands out
Current:
4.66%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Cost Spiral
risk
#16 of 40 · Bottom 38% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
52.48%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Return on Assets
Current: 2.16% · Tier avg: 1.16%
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
79
79th pctile
Efficiency Ratio
Current: 52.48% · Tier avg: 62.63%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.43% · Tier avg: 21.05%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.40% · Tier avg: 83.06%
54
54th pctile
Total Deposits
Current: $899.0M · Tier avg: $1.2B
51
51th pctile
Total Loans
Current: $722.8M · Tier avg: $975.5M
49
49th pctile
Total Assets
Current: $988.6M · Tier avg: $1.4B
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
49
49th pctile
Total Assets
Current: $988.6M · Tier avg: $1.4B
51
51th pctile
Total Loans
Current: $722.8M · Tier avg: $975.5M
54
54th pctile
Total Deposits
Current: $899.0M · Tier avg: $1.2B
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.40% · Tier avg: 83.06%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.43% · Tier avg: 21.05%
79
79th pctile
Efficiency Ratio
Current: 52.48% · Tier avg: 62.63%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%
93
93th pctile
Return on Assets
Current: 2.16% · Tier avg: 1.16%