CNB Bank
Carlsbad, NM
IDRSSD: 219651
Total Assets
$988.55M
Latest filing
Total Deposits
$899.04M
Latest filing
Net Interest Margin
4.70%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
CNB Bank
202 W Stevens St
Carlsbad, NM 88220
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/01/1924FDIC Certificate 1491
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| CNB Bank (Main) | 202 W Stevens St | Carlsbad, NM |
| NORTH BRANCH | 1509 W Pierce St | Carlsbad, NM |
| CNB BANK SOUTH BRANCH | 3518 National Parks Hwy | Carlsbad, NM |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/01/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 88220 |
| State and County Number | 35015 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Carlsbad-Artesia, NM |
Operational Info
| Number of Employees | 112 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.ourcnb.bank |
| Data Updated | 01/30/2026 |
| CERT | 2241 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $988.55M |
| Total Deposits | $899.04M |
| Total Liabilities | $901.70M |
| Total Equity Capital | $86.85M |
| Net Income | $6.79M |
| Net Loans and Leases | $722.80M |
| Assets Per Employee ($Millions) | $8.38M |
| Bank Premises and Fixed Assets | $8.18M |
| Cash and Balances due from Depository Institutions | $82.39M |
| Deposits Held in Domestic Offices | $899.04M |
Key Performance Ratios
| Return on Assets (ROA) | 2.7% |
| Return on Equity (ROE) | 32.17% |
| Net Interest Margin | 4.7% |
| Efficiency Ratio | 42.14% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.786% |
| Earning Assets to total Assets | 96.75% |
Income and Expense
| Total Interest Income | $15.12M |
| Total Noninterest Income | $1.24M |
| Total Interest Expense | $3.66M |
| Total Noninterest Expense | $5.35M |
| Net Interest Income | $11.46M |
| Pre-tax Net Operating Income | $6.79M |
| Provision for Credit Losses | $550.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.66M |
| Total Liabilities and Capital | $988.55M |
Securities
| Securities | $155.59M |
| Available-for-sale debt securities | $155.59M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CNB Bank?
$988.55M as of the latest filing.
How much are CNB Bank's total deposits?
$899.04M in total deposits.
Where is CNB Bank located?
Carlsbad, NM.
What is the Net Interest Margin?
4.70%.
How many domestic offices does it operate?
3.
When was it established?
08/01/1924.
What is the Return on Assets (ROA)?
2.7%.
How much are total loans and leases?
$722.80M (latest filing).
What is the total interest income (latest filing)?
$15.12M.