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Letter portraitLegal landscapeQuarterYTD

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

5.21%Q2 ’245.41%Q2 ’255.64%Q2 ’26+9%+7%

Non-interest income vs. expense

2.36%Q2 ’242.66%Q2 ’252.70%Q2 ’26+9%+12%

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 1.78%, up 10 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.43% of loans (+43 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.78%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.61%+32 bps YoY

Efficiency Ratio (quarter, annualized)

53.08%-52 bps YoY

Tier 1 Leverage Ratio

10.42%-38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.68%1.75%1.98%1.76%1.78%+10 bps
Return on Equity17.41%17.90%20.09%17.92%18.00%+59 bps
Net Interest Margin4.30%4.29%4.48%4.52%4.61%+32 bps
Efficiency Ratio53.60%52.23%48.01%52.69%53.08%-52 bps
Non-Interest Burden1.99%1.95%1.86%2.16%2.23%+23 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%-0.01%0.00%-0.01%0.01%+1 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