$503M
+0.5%y/y
Percentile by value49th percentileby value
FDIC
ASSETCB
The Citizens Bank of Clovis
Clovis, New MexicoFDIC Cert #11491
STATEEstablished 19165 branches
Holding company: CBC INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Citizens Bank of Clovis reported $503M in total assets. Deposits grew 2.19% over the prior year.
Return on assets was 1.74%, compared with an asset-peer median of 1.22%. The leverage ratio was 11.99%.
- Why is Efficiency Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Return on Assets above 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
$443M
+2.2%y/y
Percentile by value52nd percentileby value
FDIC
DEP$313M
−5.3%y/y
Percentile by value44th percentileby value
FDIC
LNLSNET1.74%
−11 bpsy/y
Peer standing79th percentile
FDIC
NETINC + ROA47.55%
+322 bpsy/y
Peer standing87th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.99%
+39 bpsy/y
Peer standing71st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $426M | $366M |
| Q3 2021 | $454M | $387M |
| Q4 2021 | $449M | $388M |
| Q1 2022 | $451M | $400M |
| Q2 2022 | $432M | $392M |
| Q3 2022 | $435M | $389M |
| Q4 2022 | $446M | $388M |
| Q1 2023 | $445M | $371M |
| Q2 2023 | $458M | $384M |
| Q3 2023 | $478M | $407M |
| Q4 2023 | $500M | $423M |
| Q1 2024 | $518M | $436M |
| Q2 2024 | $500M | $438M |
| Q3 2024 | $510M | $436M |
| Q4 2024 | $517M | $451M |
| Q1 2025 | $501M | $434M |
| Q2 2025 | $496M | $431M |
| Q3 2025 | $499M | $431M |
| Q4 2025 | $521M | $463M |
| Q1 2026 | $503M | $443M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $40.3M |
| Investor CRE | $65.9M |
| Multifamily | $19.3M |
| Construction | $17.7M |
| 1–4 family | $14.2M |
| C&I | $37.3M |
| Agriculture | $76.8M |
| Other | $44.5M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.74%79th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE25.44%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.45%28th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.55%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+2.19%37th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−5.34%6th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.01%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ11.99%71st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
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 + DEPIDOM2.55%43rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
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 + ROA1.74%36th 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 + ROE25.44%75th 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 + NIMY3.45%11th 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 + EEFFR47.55%86th 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+2.19%54th 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−5.34%7th 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 + LNLSGR1.01%37th 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
RBC1AAJ11.99%75th 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 + DEPIDOM2.55%18th 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 + RBCToggle 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 + ROA1.74%33rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.33%Median 1.95%90th 2.83%Observations 13
ROE
FDIC
NETINC + ROE25.44%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 14.34%Median 25.44%90th 31.95%Observations 13
NIM
FDIC
NIM + NIMY3.45%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.68%Median 4.15%90th 4.90%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR47.55%83rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.97%Median 52.48%90th 63.88%Observations 13
Deposits YoY
FDIC
DEP+2.19%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.95%Median +2.51%90th +12.16%Observations 13
Loans YoY
FDIC
LNLSNET−5.34%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.93%Median +7.98%90th +17.44%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.01%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.72%90th 2.42%Observations 13
Leverage
FDIC
RBC1AAJ11.99%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.34%Median 9.92%90th 11.73%Observations 13
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 + DEPIDOM2.55%8th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.93%Median 1.44%90th 2.46%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 21%Median 92%90th 188%Observations 8
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
- 5 branches
- Headquarters
- Clovis, 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