CITIZENS BANK OF LAS CRUCES

LAS CRUCES, NM | Large | Est. April 6, 1970, midnight | FDIC #20161 | RSSD #1016857 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF LAS CRUCES is aln large FDIC-insured commercial bank headquartered in LAS CRUCES, NM, established in April 6, 1970, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $1.0B. Profitability stands at 2.51% ROA and 25.47% ROE, with a net interest margin of 4.91%. The bank's CET1 capital ratio is 12.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 2.76%. FDIC Certificate #20161.

Assets

$1.1B

Deposits

$1.0B

Loans

$809M

Equity

$112M

Profitability

Return on Assets (ROA) 2.51%
Return on Equity (ROE) 25.47%
Net Interest Margin (NIM) 4.91%
Yield on Assets 6.05%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.76%
NPA Ratio 0.30%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 12.39%
Tier 1 Capital 12.39%
Total Capital Ratio 13.64%
Leverage Ratio 10.27%
Loan-to-Deposit 78.94%

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