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
Unfavorable gap of $25.7M · efficiency ratio beats 70% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.75% | 0.91% | 1.22% | 1.52% | Beats 85% | 48 / 328 | | |
| Return on Equity | 17.62% | 8.43% | 11.45% | 14.43% | Beats 90% | 34 / 328 | | |
| Net Interest Margin | 4.53% | 3.03% | 3.45% | 3.83% | Beats 92% | 25 / 328 | | |
| Efficiency Ratio | 52.89% | 51.61% | 59.56% | 67.53% | Beats 70% | 100 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.24% | 0.51% | 1.03% | Beats 59% | 133 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 88% | 41 / 322 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 12.20% | 11.75% | 13.15% | 15.47% | Beats 34% | 216 / 328 | | |
| Total Risk-Based Capital Ratio | 13.45% | 12.63% | 14.15% | 16.46% | Beats 41% | 194 / 328 | | |
| Equity / Assets | 9.93% | 9.15% | 10.33% | 12.01% | Beats 44% | 184 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.63% | 76.63% | 87.92% | 95.36% | 37th pctl | 202 / 323 | | |
| Loans / Assets | 73.82% | 65.18% | 74.15% | 79.98% | 48th pctl | 169 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |