# BANK OF CLOVIS
CLOVIS, NM · FDIC certificate 57022 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $438.4M | |
| Deposits | $367.3M | |
| Loans and leases | $213.5M | |
| Total equity | $44.2M | |
| Loans / deposits | 57.13% (p11 of band) | 82.04% |
| Liquid assets / assets | 46.89% (p90 of band) | |
| Uninsured deposits / deposits | 38.59% (p86 of band) | 25.97% |
| Brokered deposits | 2.28% | |
| Wholesale funding | 6.59% (p66 of band) | |
| FHLB advances / assets | 2.28% | |
| Tier 1 leverage | 10.84% (p51 of band) | 10.81% |
| Unrealized securities loss / equity | -17.35% (p26 of band) | -8.10% |
| AOCI / equity | -2.37% (p6 of band) | |
| ROA (annualized) | 1.27% (p49 of band) | 1.28% |
| Net interest margin | 4.51% (p83 of band) | 3.91% |
| Efficiency ratio | 59.60% (p45 of band) | |
| Noncurrent loans | 0.25% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 681.77% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 9.39% (p13 of band) | |
| Auto loans | $5.9M (2.77% of loans; DQ 1.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 59 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 0 |  | deposits shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent, capital falling |
| 2015-12 | 1 | assets shrinking |  |
| 2016-03 | 1 | reserve under noncurrent | assets shrinking |
| 2016-06 | 2 | charge-offs p90, assets shrinking | reserve under noncurrent |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 2 |  | capital falling, charge-offs p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | charge-offs p90 | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-07 [Our people: Longtime bank president takes reduced role - The Eastern New Mexico News](https://news.google.com/rss/articles/CBMiygFBVV95cUxNU1dYWkhWQWh6Yk11QkFRdWRCSjNaaGtnSFlMeTlLSExrM25UWXViQ1ozbGhjN2ROSDl0X3YzcTEtMlNhMHdCRUtJOHBTMUEzclNWakhWdkJ0Wmo1cjdPRFp4NlJaeDBWZUIxTVVERG11Z2h4MWJIaVF1TmVxdG1SSi1XZF9FOEZtRVNXVG12LVRSeXo4SGlvNFpRZU0zME43OVpweWIzVmFqWkRoNVdCVlNDb3luYmJlRm1hZ0N1NlZCRzdnc1I5QndR?oc=5) · The Eastern New Mexico News
- 2024-04-17 [New full-service bank brings joy and convenience to residents of Logan, New Mexico - abc7amarillo.com](https://news.google.com/rss/articles/CBMizgJBVV95cUxPX2JyUERZSXJtYlBXWjRwUXhUbHhCSXB0VXdPZVJvVmFMUGJQWUFpRktIdnRUSFlsOUZOMEFOdzM2R2Rma1NKWGtYbmVBQVlPNWR3ZkFEQjZsM3Z0UnJxZUs5cGoxeXc1S3hPSUpZS3o3RU5xTW41T0NabmRWekMwZzMtd0tuYUlpaUFQclhYby0yeE81aHQxX3NxbUdGUzJYcXV1RTlxVW5zQTQ3bWxqV3hGd0FVMEgtTkdyX0htY1RLMVE3aGxOa3U4a1dUQ1NuV3lqQ3F3Z2xqTmlLRVUwZk92eXBIQm9SLTEtQ2lVamllOUdzdTlVanhralV2cEZaMFc0NlRsbEtCMEhMSTN2c2swNmNnNUswd0FZZWhGYmZuWkU0Q3gzWVc0Qm1xLW00WllpMEpkeGpfT1BoRzVHYnBHUDhCaWlNVlVycXhB?oc=5) · abc7amarillo.com
- 2025-10-08 [Jeffrey Skarda Obituary (1944 - 2025) - Houston, TX - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxPVjNWQUJMa3kzcllVVlBEUXpKdTJtX3psamxSeWdyU3Z4T1JVSEo2WDQwUjU3NUR6M1VSWVlWbURfU1NYX0l0bVVTSjVlRDFGNUhaT0U0cmVxM0h6Zk5SZWs2MkYtUWRJcUE3bEZlNDUyN0dwWm1lSnpNVG9QTUV3U1hEWlJDdXVRXzhnSVpNekZkYXc0aURrbjZ5V1B5Xzg?oc=5) · legacy.com
- 2022-10-13 [Western Commerce Bank to acquire Clovis-based bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeDZlRGVITjFHWFZpczk3RTlRNFZCdUtpZXBfaDZmaVlnLUZJZFJJUmlCV0lQa19WOW5QcHd0dnlrM195amp2RnpvYnlEZTk3QXNZeGVLTWh3RGh1OS0tV19JZnUzZVNSMlBGbHE2enNUZ2F2MlhUZGRfVmViWFFDTzcyb2JJUjFYczlPcDB3aHV1c09oa2kwajVZaTJLOGE5a2hDNEpsZ0E?oc=5) · The Business Journals
- 2024-05-31 [The Best Savings Accounts Rates In New Mexico - Forbes](https://news.google.com/rss/articles/CBMiowFBVV95cUxONFlPN29NVF9jdEFrY1FORmJ3SzZGU3BKOGtHYjZHZm1jNS1ycjBvVVE5eHdvZDgwdDBUUUxCOHlPcGFlU2JabGdhQnlQZllOMHBOMzY0dGhZN3Ria3BZVWYxazctZ2ptb19pS1pWVjJsX20zb3A3MU4wS3k2ZjNteFdIOFUzVXFIcDRnLXRxRFE0U09xa3UyeE5teld4OEFfQnN3?oc=5) · Forbes
- 2022-07-08 [Clovis bank robbery suspect who died in federal custody served 27 years in Texas prisons - abc7amarillo.com](https://news.google.com/rss/articles/CBMijANBVV95cUxOZm9EeUpaMnlfZ18zQnVPVlg4b3phWjRtNWhKYWVkbnRWb21USFBVcVRNYVBxcGtMNlY0ano5TEhBVk5GVHJEN3ZiY0ZaeExpWXc0UE4wVU1lRXY1ZWdycnRjRTlBUk1LNVh5TlZpQU1kc1NkZTFveWNpUlNqWlRZMlZxX0F3OGxoS19ELXZFcE1EN3pXbFl4Z1FuUVE2WFVlMmZlMnlFUmdGOFNjRTZNMmRkcEhYNndCUld2THBTSVZaWlFsbTFjVkE0WDVWMl93cDE1bjFIU09vWGhCeGp0WDRhME5WQU85alIxSmRRaDJWWVYtd3FCVWF2TlhSV29peE1pNFc5UDh2MXJvRnRTbHBCZFJZR1BPY0RuUTlPeDB5dzE4cS1IdkNzNkI1V19ocDBKMUxGX0tpUVZ2Q0xkUGxYN2VRZXhlUFRMWnZhek4zVk1BNlN1Uy02elh4c0l5eXhfMjVPeXpIRnJVVWxqaFFjUVZtSm9UY2kxODZHRFNJNG1wVXFBRnItdFg?oc=5) · abc7amarillo.com
- 2022-07-07 [Man suspected of robbing two Clovis banks in 10 days dies in federal custody - abc7amarillo.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOU0pUV0xueTB2a256Wm1PVEg0TEJ6ZnR6ZGZvcG94TlJUMW43Zzhhd0tibGloRkxHMDFiWERRbUJQR2gtMTI2aVAxVXlyRHBKWkc5S29mVHlMNU1OZmVZb0k0TmQtTUxFVWktampDY3g4VENYR2g0VERfQjVlWDhJTTdBdGJrRTEw?oc=5) · abc7amarillo.com
- 2025-06-01 [Allan Isbell Obituary (1946 - 2025) - Clovis, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPekhJNXNxM0RPRFFLYXFLdnAzTFA4YVpTOHZVMzU5cW5aRWZBbE9TZ0d5N1FJLXhrZ2NyZWpnbEFSODByOXRveWpmR3pidGFDTXlidkJuNlEwbHNVSXNlaVlzTG1YSkFuUjNuSzlGcDhrUjA3S1ZFVnUxcEFmMTFqb3FQRHNzWFJHNVRZSXQ4YUJ4azZtSTF4TmVlSjQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57022 (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/62.json (key "57022", 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.

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