CNB Bank is a state-chartered bank headquartered in Carlsbad, New Mexico, in business for about 102 years. At the end of Q2 2026 it reported $1.1B in total assets and $969.7M in deposits, with 3 offices.
CNB Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in New Mexico, it ranks 16th. Earnings contributes the most (100/100, 2.16%); capital cushion contributes the least (47/100, 9.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (72 → 75), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 71 |
| Q4 2024 | 74 |
| Q1 2025 | 66 |
| Q2 2025 | 72 |
| Q3 2025 | 75 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.26% |
| Q3 2024 | 9.41% |
| Q4 2024 | 9.53% |
| Q1 2025 | 9.37% |
| Q2 2025 | 9.52% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.10% |
| Q1 2026 | 9.69% |
| Q2 2026 | 9.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.06% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.43% |
| Q3 2024 | 2.51% |
| Q4 2024 | 2.27% |
| Q1 2025 | 0.83% |
| Q2 2025 | 1.54% |
| Q3 2025 | 1.94% |
| Q4 2025 | 2.16% |
| Q1 2026 | 2.21% |
| Q2 2026 | 2.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $1.1B | 9.73% | 0.09% | 2.16% | 82.2% |
| Q1 2026 | 74 | $957.8M | 9.69% | 0.12% | 2.21% | 85.1% |
| Q4 2025 | 74 | $988.6M | 9.10% | 0.08% | 2.16% | 80.4% |
| Q3 2025 | 75 | $1.0B | 9.59% | 0.13% | 1.94% | 74.6% |
| Q2 2025 | 72 | $914.1M | 9.52% | 0.06% | 1.54% | 79.4% |
| Q1 2025 | 66 | $902.2M | 9.37% | 0.07% | 0.83% | 77.2% |
| Q4 2024 | 74 | $886.7M | 9.53% | 0.17% | 2.27% | 75.3% |
| Q3 2024 | 71 | $872.1M | 9.41% | 0.48% | 2.51% | 75.1% |
| Q2 2024 | 76 | $836.2M | 9.26% | 0.00% | 2.43% | 76.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pioneer BankBank Roswell, NM | 73 out of 100, Strong | $1.1B | 12.3% | 1.71% | vs |
| Citizens Bank of Las CrucesBank Las Cruces, NM | 76 out of 100, Strong | $1.2B | 10.4% | 0.43% | vs |
| InBankBank Raton, NM | 62 out of 100, Moderate | $1.4B | 11.5% | 1.31% | vs |
| Century BankBank Santa Fe, NM | 61 out of 100, Moderate | $1.4B | 10.3% | 1.07% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
Deposit insurance
Is my money safe at CNB Bank?
Yes. CNB Bank is an FDIC-insured institution (FDIC certificate #2241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 42.5% of deposits ($411.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
CNB Bank lists 3 offices in 1 city. Most locations:
- Carlsbad, NM (3)
Identity & history
Profile
- Legal name
- CNB Bank
- Former names
- The Carlsbad National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 2241
- RSSD ID
- 219651
- Primary regulator
- FDIC
- Holding company
- Carlsbad Bcorp Inc
- Established
- August 1, 1924
- Headquarters
- 202 W Stevens St, Carlsbad, NM 88220
- Website
- www.ourcnb.bank
- Employees
- 119
Quick answers
CNB Bank: common questions
Is CNB Bank FDIC insured?
Yes. CNB Bank is an FDIC-insured institution (FDIC certificate #2241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CNB Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has CNB Bank ever failed?
There is no failure record for FDIC certificate #2241 in the FDIC failed bank list.
How many branches does CNB Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Carlsbad
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Financial Security Credit UnionCredit union Carlsbad, NM | 81 out of 100, Strong | $63.6M | 16.6% | 0.69% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| Eddy Federal Credit UnionCredit union Carlsbad, NM | 80 out of 100, Strong | $61.8M | 18.3% | 0.00% | vs |
| Internationalites Federal Credit UnionCredit union Carlsbad, NM | 75 out of 100, Strong | $11.7M | 17.2% | 0.20% | vs |
| U-1st Community Federal Credit UnionCredit union Carlsbad, NM | 74 out of 100, Strong | $9.3M | 14.4% | 0.24% | vs |
| Pioneer BankBank Roswell, NM | 73 out of 100, Strong | $1.1B | 12.3% | 1.71% | vs |