The Bank of Clovis: how it compares with its peers
Against 15 NM banks with half to twice its assets, The Bank of Clovis's strongest measure in Q2 2026 is net interest margin (4.51% vs. a 4.08% peer median). Its weakest relative measure is return on assets (1.27% vs. 2.06%).
| Measure | The Bank of Clovis | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 2.06% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.51% | 4.08% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.60% | 51.79% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $8.5M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 57.13% | 54.05% | Context |
What it means for lending operations
Its efficiency ratio of 59.60% is above the 51.79% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The James Polk Stone Community Bank Portales, NM · $444M
- Centinel Bank of Taos Taos, NM · $425M
- First National Bank Alamogordo, NM · $453M
- Southwest Capital Bank Albuquerque, NM · $483M
- The Citizens Bank of Clovis Clovis, NM · $493M
- Western Bank Artesia, NM · $350M
Questions about The Bank of Clovis
How big is The Bank of Clovis?
The Bank of Clovis, established in 2000, is headquartered in Clovis, NM. It reported $438M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is The Bank of Clovis's return on assets?
1.27% annualized in Q2 2026, against a 2.06% median for 15 NM banks with half to twice its assets, ahead of 13% of them.
What is The Bank of Clovis's efficiency ratio?
59.60% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 51.79%, and lower is better.
Is The Bank of Clovis growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 10.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.