Citizens Bank of Clovis, The
Clovis, NM · Cert 11491 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · CBC Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$493.6MAssets
$305.2MLoans
$439.9MDeposits
$33.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets operating in a single state (rank 154 of 743).
- Widest gap: equity / assets trails 95% of banks under $1B in assets operating in a single state (rank 706 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.92%
Rank 450 of 746
Net Interest Margin
3.34%
Rank 514 of 746
Efficiency Ratio
59.21%
Rank 268 of 746
Equity / Assets
6.83%
Rank 706 of 746
Non-interest income vs. expense
Unfavorable gap of $9.4M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.72% | 1.06% | 1.45% | Beats 40% | 450 / 746 | |
| Return on Equity | 13.45% | 6.74% | 10.51% | 13.63% | Beats 73% | 201 / 746 | |
| Net Interest Margin | 3.34% | 3.17% | 3.68% | 4.16% | Beats 31% | 514 / 746 | |
| Efficiency Ratio | 59.21% | 55.74% | 64.58% | 75.47% | Beats 64% | 268 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 79% | 154 / 743 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.05% | Beats 17% | 614 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.16% | 11.55% | 13.75% | 17.60% | Beats 33% | 500 / 746 | |
| Total Risk-Based Capital Ratio | 12.16% | 11.71% | 14.33% | 18.43% | Beats 29% | 529 / 746 | |
| Equity / Assets | 6.83% | 8.90% | 10.51% | 13.06% | Beats 5% | 706 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 69.38% | 61.31% | 78.27% | 90.78% | 34th pctl | 489 / 746 | |
| Loans / Assets | 61.83% | 53.60% | 66.97% | 76.08% | 39th pctl | 454 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |