Citizens Bank, The

Farmington, NM · Cert 1164 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Citizens Bk Employee STK Ownership&Retirement Svg Plan

State charter, non-member · FDIC · 6 branches

Q2 2026

$804.3MAssets

$314.5MLoans

$697.5MDeposits

$40.8MEquity

Executive Summary

Strongest standing: return on equity outperforms 99% of banks under $1B in assets operating in a single state (rank 6 of 746).
Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 737 of 746).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.59%

Rank 146 of 746

Net Interest Margin

3.47%

Rank 461 of 746

Efficiency Ratio

51.79%

Rank 132 of 746

Equity / Assets

5.07%

Rank 737 of 746

Non-interest income vs. expense

Unfavorable gap of $12.4M · efficiency ratio beats 82% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.59%	0.72%	1.06%	1.45%	Beats 80%	146 / 746
Return on Equity	31.37%	6.74%	10.51%	13.63%	Beats 99%	6 / 746
Net Interest Margin	3.47%	3.17%	3.68%	4.16%	Beats 38%	461 / 746
Efficiency Ratio	51.79%	55.74%	64.58%	75.47%	Beats 82%	132 / 746
Asset Quality
Nonperforming Loans / Loans	0.02%	0.09%	0.42%	1.07%	Beats 82%	136 / 743
Net Charge-Offs / Loans	0.04%	0.00%	0.01%	0.05%	Beats 27%	543 / 743
Capital
Tier 1 Capital Ratio	17.62%	11.55%	13.75%	17.60%	Beats 75%	185 / 746
Total Risk-Based Capital Ratio	18.63%	11.71%	14.33%	18.43%	Beats 76%	180 / 746
Equity / Assets	5.07%	8.90%	10.51%	13.06%	Beats 1%	737 / 746
Liquidity & Funding
Loans / Deposits	45.09%	61.31%	78.27%	90.78%	8th pctl	683 / 746
Loans / Assets	39.10%	53.60%	66.97%	76.08%	8th pctl	683 / 746
Brokered Deposits / Deposits	n/a	Not reported for this institution