Farmington, NM · Cert 1164 · Citizens Bk Employee STK Ownership&Retirement Svg Plan
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Farmington, NM · 2026 SOD (annual) · 36.3% share · #1 of 8 inst. · $0.7B of $1.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 0.78% | 1.66% | 1.64% | 1.64% | 1.63% | 1.53% | 1.62% | -2 bps | |
| Return on Equity | 43.09% | 22.59% | 41.49% | 38.19% | 36.12% | 34.04% | 27.84% | 30.20% | -799 bps | |
| Net Interest Margin | 2.88% | 3.02% | 3.40% | 3.41% | 3.45% | 3.47% | 3.52% | 3.47% | +7 bps | |
| Efficiency Ratio | 49.26% | 49.64% | 50.30% | 50.87% | 50.41% | 51.46% | 52.48% | 51.79% | +92 bps | |
| Non-Interest Burden | 1.09% | 1.17% | 1.39% | 1.40% | 1.40% | 1.46% | 1.53% | 1.48% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 0.18% | -4.59% | -3.58% | -7.06% | -2.32% | 2.24% | 3.41% | +699 bps | |
| Loan Growth (YoY) | 10.15% | 9.56% | 5.52% | 3.63% | 4.00% | -0.39% | 0.26% | 1.66% | -197 bps | |
| Deposit Growth (YoY) | 2.46% | 4.69% | -1.15% | -0.95% | -1.28% | -4.68% | 1.40% | 1.70% | +265 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.21% | 0.88% | 0.86% | 0.00% | 0.02% | 0.02% | -86 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.02% | 0.03% | 0.03% | 0.03% | 0.09% | 0.06% | +3 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.24% | 1.24% | 1.25% | 1.36% | 1.28% | 1.28% | +4 bps | |
| Allowance Coverage of NPLs | 6.5x | 6.7x | 5.9x | 1.4x | 1.5x | n/a | 77.1x | 78.7x | +77.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.85% | 8.54% | 9.10% | 9.19% | 9.22% | 9.36% | 9.34% | 9.11% | -8 bps | |
| Total Risk-Based Capital | 20.48% | 18.57% | 19.17% | 18.98% | 19.08% | 19.66% | 18.39% | 18.63% | -35 bps | |
| Equity / Assets | 4.26% | 3.45% | 4.58% | 4.85% | 5.36% | 5.74% | 5.27% | 5.07% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 43.79% | 43.83% | 45.63% | 45.11% | 46.12% | 45.80% | 45.12% | 45.09% | -2 bps | |
| Liquid Assets / Assets | 21.17% | 17.00% | 14.82% | 15.02% | 13.83% | 13.05% | 16.65% | 17.12% | +210 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 190.86% | 183.32% | 184.47% | n/a | n/a | |