# CNB BANK
CARLSBAD, NM · FDIC certificate 2241 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.07B | |
| Deposits | $969.7M | |
| Loans and leases | $807.8M | |
| Total equity | $92.7M | |
| Loans / deposits | 82.16% (p37 of band) | 87.10% |
| Liquid assets / assets | 22.45% (p55 of band) | |
| Uninsured deposits / deposits | 42.48% (p78 of band) | 30.76% |
| Brokered deposits | 12.08% | |
| Wholesale funding | 12.08% (p71 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.73% (p30 of band) | 10.50% |
| Unrealized securities loss / equity | -7.05% (p53 of band) | -7.75% |
| AOCI / equity | 2.31% (p99 of band) | |
| ROA (annualized) | 2.16% (p92 of band) | 1.26% |
| Net interest margin | 4.50% (p87 of band) | 3.70% |
| Efficiency ratio | 48.51% (p20 of band) | |
| Noncurrent loans | 0.09% (p12 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 1602.74% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 101.47% (p88 of band) | |
| Auto loans | $735,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 16.4% | |
| Employees | 119 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | uninsured deposits >50%, reserve under noncurrent |  |
| 2018-03 | 1 | capital falling | uninsured deposits >50%, reserve under noncurrent |
| 2018-06 | 2 | uninsured deposits >50% |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | uninsured deposits >50% |
| 2022-12 | 2 | capital falling | securities losses >30% of equity |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 1 |  | charge-offs p90 |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | construction >100% equity |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | brokered >10% |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-11-10 [Minarchick promoted at CNB Bank - The Courier Express](https://news.google.com/rss/articles/CBMitgFBVV95cUxQWUZhWmhJWTZPVWFEZ0N5eHFja0NtcllSclhFekpWWG9WUEUxLVkyMEkxZGQxbnJDM3RhUnBDa09wa095NS1UOFZfa1FnS2ZlMnRJTkhPOW1hV0pBUkxjZzJVZW5EbFEyNGdNZEJBVkx4Z0RtS2lKeHFSYkpqdEdDcE1fVS0zcXBXM1RzeUpDZkVBRnREQWdlcTZIWE10ZFFvajZhRURxMlpRWTduTUQ2S09GeWlqdw?oc=5) · The Courier Express
- 2024-08-12 [Ohio's first women-owned bank nears opening - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxNbTZDMkpfdzlCZUpmZU1kUkd0TkMwUVVmOWI0eFVSeE9qUUVsa09feFliZzV2NU9lZVBORkNFZkp5eFRLMG1xN2xEeDJvOHROUGpBbnlHQy1ad3hpWWlHWkZwV2NNSlo4R3Y0VG1IbER5eFRVRHl5T2M3dTRtcUNVOVV3WXVpWHFlSHRWcDE1dkoxY25nTW1lTA?oc=5) · American Banker
- 2021-01-01 [Chris A. Bird Obituary Jan 1, 2021 - westfuneralhomellc.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9tcEFNWUlNMEEzTk1GQW9UVWxtLXJGOWdHT2ROcHhaZ0xicVZMX3pNUkpNc21fV1R1M0pBY2pLeFpOV0RTYkE2NEdvNzNoOUZPTk94U0I3eHdPSHMxTVF6YlYzcUY?oc=5) · westfuneralhomellc.com
- 2020-03-19 [Virus scare creates perfect storm for mortgage lenders - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxQVHlnbGtpSmdMazhxZGlpNUNZM3g1NXNQaU95Z1IwUlpYbTROQmtsV1EwdzRRSTctNVk4bGJnQ2pmTkYyS05nVVpDcjNxNWZkUFlTMDhJTW9GQXFGeXZoUWRtQXFONl9vWEpibXdWY0lmNGM2RV93Y3hoS0R4RThrWVFsZllfVGdWZi1VTEpKS1BwaGpG?oc=5) · American Banker
- 2026-04-14 [CARC, Inc. Welcomes New Chief Executive Officer - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMioAFBVV95cUxPVjROZE1kRnZzSlNSN0xSWHpwYUtOLVlXc2d4Y1c1SHZmZjZfRndjVnBrZTZKblAxM1h6cHpzeG1BZlRaQTBMV0R4b0VhQnd1dTF1U3NlM3R0UUF1VU45ODRlNC1ZS1Zac0ZrWWJobDJxMVJiQ3JJWS1JT2R5XzFjc0sxVUdQY1NRVlFEX2tra2RnM0ZCNXU1LWY1dy1aQzJq?oc=5) · 24-7 Press Release Newswire
- 2021-01-29 [Bill proposes transition of NMSU Carlsbad to independent college - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOMGJsN19mYl9rU3UtWE5odkotMjZtOHpKZXFMNVN3S1J2RjZTMjNSc2J1MmZqbGIwUkp4LWtDNzdyZlZwYjlsOXJERDlueU9GOVB6N3l1QjMyR2kxRS1oMGZQT3g4VnBlaFdNdTRyaS1oTzc3U0x0ZVZ5VGJ0YzM1SXlvTjM1Z2IwcXBKbGJzenNyYUhfVldVZTRZSnh1YXFiVHhKOVRiNTdaS3JtbHdz?oc=5) · Las Cruces Sun-News
- 2024-01-22 [Former employee charged with embezzling $260K from Carlsbad Department of Development - El Paso Times](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQLXpGS2x0d1BkaGRoYTRsenR2aG1ON0pDSEltMWtadWoxdGlNbUh2Z0o1eXM4SzJJTWxfblBRWGdjVEgxOWxGcjg3U09uU0ViUnVoWUZVMGQ1dkJwaTVTS0RWRzZzcUNiek1EOW9DVnN2VlpPU2dZM1NlT3N0MVhBZjYzTEVJM2dTOGhoU09yMWtXX0p3eWQ3T2N0aGRfeW9IMV80NjE0TmVMYVkyZWJhb2YtRVFiQlExM0lRbkhSejFUcjFhbVQ4X3JmcGRPLW5RbzNEYlJR?oc=5) · El Paso Times
- 2022-10-12 [Gary Don Forrest Obituary (2022) - Carlsbad, NM - West Funeral Home - Carlsbad - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOS044ZWFBTlZFUzlMc1ROWUpHaG4zaEhPcVRTWDNWeTVzdFJKT0FHU0pXeXRkbDhGRkVxQThBZ25ERy15dllPTnR4QjV4bzVXdldSN1VsSUhUcWE2NkFTTmd5cVRNY05NamNJVHBzbXlVbHFscjh4bkhTbVVDa0VMag?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2241 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "2241", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide