CNB Bank

Carlsbad, New MexicoFDIC Cert #2241

STATEEstablished 19243 branches

Holding company: CARLSBAD BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$111M
Investor CRE	$167M
Multifamily	$29.5M
Construction	$91M
1–4 family	$99.7M
C&I	$192M
Agriculture	$9.76M
Other	$46.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$747M

+15.6%y/y

Percentile by value98th percentileby value

FDICLNLSGR

Net loans

$736M

+15.5%y/y

Percentile by value98th percentileby value

FDICLNLSNET

Loans YoY

+15.47%

+37.9%y/y

Percentile by value87th percentileby value

FDICLNLSNET

L/D

85.1%

+10.2%y/y

Percentile by value61st percentileby value

FDICLNLSNET + DEP

Loans/assets

76.9%

+8.8%y/y

Percentile by value75th percentileby value

FDICLNLSNET + ASSET

RE loans %

68.56%

+12.1%y/y

Percentile by value17th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,729points

−6.4%y/y

Peer standing80th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

14.84%

−25.6%y/y

Percentile by value63rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

22.38%

+78.2%y/y

Percentile by value76th percentileby value

FDICLNRENROT + LNLSGR

C&I %

25.77%

−17.3%y/y

Percentile by value95th percentileby value

FDICLNCI + LNLSGR