Total Assets
$989M
Total balance-sheet footings
FDIC Cert #2241 · Carlsbad, New Mexico · Est. 1924
CNB Bank - FDIC Bank Health Profile
A community-scale look at CNB Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $989M
- Total assets
- B
- Health grade · Good
- 2.16%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
CNB Bank earns a PlainBankData health grade of B (75/100), with 9.10% Tier 1 capital, profitable at 2.16% ROA, efficient (52% cost ratio).
- #1,053
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 9.10%
- Tier 1 ratio - below the 10% well-capitalized line
- 93rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How CNB Bank's 75/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
CNB Bank's composite health score
Tier 1 Capital Ratio (9.10%) 18/40
Return on Assets (ROA) (2.16%) 25/25
Texas Ratio (0.59%) 20/20
Efficiency Ratio (52.48%) 12/15
75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$899M
Customer-funded liabilities
Net Loans
$723M
Outstanding loan book
Net Income
$20M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where CNB Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CNB Bank's score of 75/100 falls in the highlighted band.
CNB Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CNB Bank's $989M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.10% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.10%
Texas Ratio
0.59%
Equity Capital
$87M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.16%
Return on Equity (ROE)
25.93%
Efficiency Ratio
52.48%
What the numbers say about CNB Bank
CNB Bank is an FDIC-insured institution (Certificate #2241) headquartered in Carlsbad, New Mexico, established in 1924. It holds $989M in total assets - 1,053rd of 4,313 FDIC-insured banks, $899M in customer deposits, and $723M in net loans. Looking at capital strength, Tier 1 stands at 9.10%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.59%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (75/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New Mexico, CNB Bank ranks 6th of 29 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$55M
Interest Income
$5M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. CNB Bank reports a Texas Ratio of 0.59% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Mexico by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CNB Bank (FDIC Cert #2241) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First American BankArtesia | $1.8B | A | 2.74% |
| InBankRaton | $1.4B | B | 0.55% |
| Century BankSanta Fe | $1.3B | B | 0.62% |
| Citizens Bank of Las CrucesLas Cruces | $1.1B | A | 2.25% |
| Pioneer BankRoswell | $1.1B | A | 2.19% |
| Western Commerce BankCarlsbad | $867M | A | 3.17% |
| The Citizens BankFarmington | $774M | A | 2.07% |
| Lea County State BankHobbs | $708M | A | 1.63% |
Frequently asked questions
What is CNB Bank's health grade?▼
CNB Bank receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is CNB Bank?▼
CNB Bank holds $989M in total assets and $899M in deposits, ranking 1,053rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Carlsbad, New Mexico.
Is my money safe at CNB Bank?▼
Yes, deposits at CNB Bank (Certificate #2241) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is CNB Bank's Tier 1 Capital Ratio?▼
CNB Bank has a Tier 1 Capital Ratio of 9.10%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for CNB Bank?▼
CNB Bank has a Texas Ratio of 0.59%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is CNB Bank?▼
CNB Bank has an Efficiency Ratio of 52.48%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read CNB Bank's profile as a depositor or analyst.
- CNB Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare CNB Bank against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.