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Citizens Bank of Las Cruces

Las Cruces, NM · Cert 20161 · Amador Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

89

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank of Las Cruces

Las Cruces, NM · Cert 20161 · Amador Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.2BAssets
$867.4MLoans
$1.0BDeposits
$116.7MEquity
Loan mix
80%RE $676.9M20%C&I $166.1M0%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
66%Interest-bearing $695.6M34%Noninterest $354.1MQ2 2025Q2 2026

NIM

5.16%Q2 ’245.36%Q2 ’255.52%Q2 ’26+11%+6%

Non-interest income vs. expense

2.31%Q2 ’242.60%Q2 ’252.64%Q2 ’26+11%+9%

Market Position · Las Cruces, NM · 2026 SOD (annual) · 28.1% share · #1 of 17 inst. · $0.9B of $3.3B

28.1% Dona Ana
38.6% Sierra
0.3% El Paso
0.1% Bernalillo

Executive Summary

  • Earnings: ROA of 1.77%, up 10 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 0.43% of loans (+43 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.42%, down 38 bps from a year ago.
  • Funding: loans stand at 82.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.77%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.53%+27 bps YoY

Efficiency Ratio (YTD, annualized)

52.89%-46 bps YoY

Tier 1 Leverage Ratio

10.42%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.67%1.70%1.78%1.76%1.77%+10 bps
Return on Equity17.43%17.59%18.33%17.92%17.96%+54 bps
Net Interest Margin4.26%4.15%4.16%4.52%4.53%+27 bps
Efficiency Ratio53.35%52.96%51.64%52.69%52.89%-46 bps
Non-Interest Burden1.99%1.92%1.87%2.16%2.17%+19 bps
Growth
Asset Growth (YoY)10.01%4.34%9.53%10.36%6.26%-375 bps
Loan Growth (YoY)2.31%7.77%14.40%20.15%21.75%+1,945 bps
Deposit Growth (YoY)9.63%3.78%9.18%9.33%5.88%-374 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.45%0.42%0.40%0.43%+43 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.01%0.00%0 bps
Allowance / Loans1.50%1.47%1.40%1.37%1.37%-13 bps
Allowance Coverage of NPLsn/a3.2x3.3x3.5x3.2xn/a
Capital
Tier 1 Leverage Ratio10.80%10.44%10.27%10.33%10.42%-38 bps
Total Risk-Based Capital15.43%14.82%13.64%13.32%13.45%-198 bps
Equity / Assets9.63%9.96%9.77%9.84%9.93%+30 bps
Liquidity & Funding
Loans / Deposits71.86%75.78%78.94%82.16%82.63%+1,077 bps
Liquid Assets / Assets9.66%5.16%2.48%0.72%1.57%-810 bps
CRE / Total Capitaln/a472%499%506%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Bank of Las Cruces

Las Cruces, NM · Cert 20161 · Peer group: banks $1B-$10B in assets (n=322-328) · Amador Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$1.2BAssets
$867.4MLoans
$1.0BDeposits
$116.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of banks $1B-$10B in assets (rank 25 of 328).
  • Widest gap: tier 1 capital ratio trails 66% of banks $1B-$10B in assets (rank 216 of 328).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.75%

Rank 48 of 328

Net Interest Margin

4.53%

Rank 25 of 328

Efficiency Ratio

52.89%

Rank 100 of 328

Equity / Assets

9.93%

Rank 184 of 328

Non-interest income vs. expense

$5.5M$31.2MINCOMEEXPENSE
Unfavorable gap of $25.7M · efficiency ratio beats 70% of banks $1B-$10B in assets
Bank 52.89%Peer median 59.6%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.75%0.91%1.22%1.52%Beats 85%48 / 328
Return on Equity17.62%8.43%11.45%14.43%Beats 90%34 / 328
Net Interest Margin4.53%3.03%3.45%3.83%Beats 92%25 / 328
Efficiency Ratio52.89%51.61%59.56%67.53%Beats 70%100 / 328
Asset Quality
Nonperforming Loans / Loans0.43%0.24%0.51%1.03%Beats 59%133 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 88%41 / 322
Capital
Tier 1 Capital Ratio12.20%11.75%13.15%15.47%Beats 34%216 / 328
Total Risk-Based Capital Ratio13.45%12.63%14.15%16.46%Beats 41%194 / 328
Equity / Assets9.93%9.15%10.33%12.01%Beats 44%184 / 328
Liquidity & Funding
Loans / Deposits82.63%76.63%87.92%95.36%37th pctl202 / 323
Loans / Assets73.82%65.18%74.15%79.98%48th pctl169 / 328
Brokered Deposits / Depositsn/aNot reported for this institution