$1.17B
+10.4%y/y
Percentile by value20th percentileby value
FDIC
ASSETCB
Citizens Bank of Las Cruces
Las Cruces, New MexicoFDIC Cert #20161
STATEEstablished 19709 branches
Holding company: AMADOR BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCitizens Bank of Las Cruces reported $1.17B in total assets. Deposits grew 9.33% over the prior year.
Return on assets was 2.24%, compared with an asset-peer median of 1.16%. The leverage ratio was 10.33%.
- Why is Total Assets below asset peers?
- Why is Net Loan Growth, Year over Year above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.03B
+9.3%y/y
Percentile by value25th percentileby value
FDIC
DEP$836M
+20.3%y/y
Percentile by value24th percentileby value
FDIC
LNLSNET2.24%
+11 bpsy/y
Peer standing94th percentile
FDIC
NETINC + ROA52.69%
−40 bpsy/y
Peer standing73rd percentile
FDIC
NONIX + NIM + NONII + EEFFR10.33%
−23 bpsy/y
Peer standing46th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $872M | $787M |
| Q3 2021 | $888M | $801M |
| Q4 2021 | $905M | $820M |
| Q1 2022 | $945M | $866M |
| Q2 2022 | $923M | $855M |
| Q3 2022 | $932M | $853M |
| Q4 2022 | $971M | $867M |
| Q1 2023 | $1.03B | $859M |
| Q2 2023 | $1.02B | $850M |
| Q3 2023 | $1.01B | $852M |
| Q4 2023 | $999M | $869M |
| Q1 2024 | $1.01B | $879M |
| Q2 2024 | $1.01B | $904M |
| Q3 2024 | $1.06B | $953M |
| Q4 2024 | $1.05B | $939M |
| Q1 2025 | $1.06B | $944M |
| Q2 2025 | $1.11B | $991M |
| Q3 2025 | $1.11B | $989M |
| Q4 2025 | $1.15B | $1.02B |
| Q1 2026 | $1.17B | $1.03B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $81.9M |
| Investor CRE | $252M |
| Multifamily | $107M |
| Construction | $166M |
| 1–4 family | $69.5M |
| C&I | $166M |
| Agriculture | $1.17M |
| Other | $4.47M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.24%94th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE22.80%94th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY4.74%93rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.69%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+9.33%74th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+20.28%93rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.33%46th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.66%92nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC397%95th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.24%75th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.05%Median 1.95%90th 2.96%Observations 29
ROE
FDIC
NETINC + ROE22.80%57th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 8.59%Median 22.59%90th 29.01%Observations 29
NIM
FDIC
NIM + NIMY4.74%64th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.44%Median 4.27%90th 5.29%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.69%54th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.29%Median 53.44%90th 77.91%Observations 29
Deposits YoY
FDIC
DEP+9.33%79th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.74%Median +2.16%90th +11.06%Observations 29
Loans YoY
FDIC
LNLSNET+20.28%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.82%Median +5.78%90th +16.27%Observations 28
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%59th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.61%90th 2.47%Observations 28
Leverage
FDIC
RBC1AAJ10.33%39th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.53%Median 10.83%90th 14.22%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.66%43rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.86%Median 1.62%90th 2.77%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC397%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 15%Median 126%90th 255%Observations 20
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.24%50th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.96%Median 2.24%90th 2.69%Observations 5
ROE
FDIC
NETINC + ROE22.80%75th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.44%Median 22.59%90th 26.45%Observations 5
NIM
FDIC
NIM + NIMY4.74%50th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 4.11%Median 4.74%90th 4.88%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR52.69%75th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.21%Median 53.44%90th 70.59%Observations 5
Deposits YoY
FDIC
DEP+9.33%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.14%Median −2.98%90th +5.45%Observations 5
Loans YoY
FDIC
LNLSNET+20.28%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.63%Median +7.13%90th +17.94%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.40%100th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.44%Median 0.87%90th 1.80%Observations 5
Leverage
FDIC
RBC1AAJ10.33%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.24%Median 10.99%90th 11.71%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.66%50th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.37%Median 1.66%90th 2.48%Observations 5
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC397%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 195%Median 235%90th 339%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 9 branches
- Headquarters
- Las Cruces, NM
FDIC
OFFDOMOpen the New Mexico dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data