TellerScore

Headquartered in Clovis, New Mexico, The Bank of Clovis is a state-chartered bank with $438.4M in total assets and $367.3M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 2000.

Based on its Q2 2026 filing, The Bank of Clovis scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 15th. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is capital cushion (58/100; 10.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.84%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 57.1% · 38.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.13%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 76).

TellerScore
747780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202477
Q4 202474
Q1 202575
Q2 202577
Q3 202580
Q4 202576
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%8.60%12.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.57%
Q3 202412.21%
Q4 202411.25%
Q1 202511.49%
Q2 202511.28%
Q3 202511.44%
Q4 202510.46%
Q1 202610.81%
Q2 202610.84%
Noncurrent loans
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.16%
Q4 20240.23%
Q1 20250.32%
Q2 20250.18%
Q3 20250.10%
Q4 20250.13%
Q1 20260.10%
Q2 20260.25%
Return on assets
0.88%1.15%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.88%
Q4 20240.94%
Q1 20251.10%
Q2 20251.31%
Q3 20251.42%
Q4 20251.39%
Q1 20261.11%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$438.4M10.84%0.25%1.27%57.1%
Q1 202675$465.9M10.81%0.10%1.11%52.1%
Q4 202576$455.3M10.46%0.13%1.39%55.4%
Q3 202580$422.7M11.44%0.10%1.42%56.8%
Q2 202577$399.1M11.28%0.18%1.31%58.6%
Q1 202575$386.1M11.49%0.32%1.10%57.8%
Q4 202474$389.6M11.25%0.23%0.94%56.0%
Q3 202477$374.3M12.21%0.16%0.88%57.2%
Q2 202474$334.3M10.57%0.00%0.90%62.0%

2,650 peers · $100 million – $1 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).

Capital ratio10.84%
47th
Total risk-based capital22.93%
91st
Problem loans0.25%
61st
Net charge-offs0.01%
50th
Return on assets1.27%
51st
Net interest margin4.51%
80th
Efficiency ratio59.6%
58th
Loans to deposits57.1%
86th
Uninsured deposits38.6%
12th
Loan-loss reserves1.73%
88th
Texas ratio1.1%
67th

Similar-size banks in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
The James Polk Stone Community BankBank Portales, NM66 out of 100, Moderate$443.8M10.0%1.41%vs
Centinel Bank of TaosBank Taos, NM79 out of 100, Strong$424.8M9.2%0.00%vs
First National BankBank Alamogordo, NM42 out of 100, Below average$452.8M10.3%5.29%vs
Southwest Capital BankBank Albuquerque, NM61 out of 100, Moderate$482.9M10.8%1.66%vs
The Citizens Bank of ClovisBank Clovis, NM80 out of 100, Strong$493.1M12.2%0.04%vs
Western BankBank Artesia, NM81 out of 100, Strong$350.5M11.1%0.00%vs

Deposit insurance

Is my money safe at The Bank of Clovis?

Yes. The Bank of Clovis is an FDIC-insured institution (FDIC certificate #57022). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.6% of deposits ($141.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.93% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

The Bank of Clovis lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Bank of Clovis
Type
State-chartered bank
FDIC certificate #
57022
RSSD ID
2948423
Primary regulator
FDIC
Holding company
Clovis Bancshares Inc
Established
October 16, 2000
Headquarters
300 N Main St, Clovis, NM 88101
Employees
59

Quick answers

The Bank of Clovis: common questions

Is The Bank of Clovis FDIC insured?

Yes. The Bank of Clovis is an FDIC-insured institution (FDIC certificate #57022). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bank of Clovis's TellerScore?

76 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 The Bank of Clovis ever failed?

There is no failure record for FDIC certificate #57022 in the FDIC failed bank list.

How many branches does The Bank of Clovis have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Clovis

InstitutionScoreAssetsCapitalProblem loansCompare
Security State BankBank Farwell, TX88 out of 100, Very strong$338.0M14.6%0.03%vs
Cannon Federal Credit UnionCredit union Clovis, NM87 out of 100, Very strong$101.7M13.7%0.06%vs
American Heritage BankBank Clovis, NM83 out of 100, Strong$153.2M11.1%0.22%vs
The Citizens Bank of ClovisBank Clovis, NM80 out of 100, Strong$493.1M12.2%0.04%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
The James Polk Stone Community BankBank Portales, NM66 out of 100, Moderate$443.8M10.0%1.41%vs