CITIZENS BANK OF CLOVIS, THE

CLOVIS, NM | Medium | Est. Jan. 1, 1916, midnight | FDIC #11491 | RSSD #710859 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF CLOVIS, THE is amn medium FDIC-insured commercial bank headquartered in CLOVIS, NM, established in Jan. 1, 1916, midnight. As of 2025-12-31, the bank reported total assets of $521M and total deposits of $463M. Profitability stands at 1.19% ROA and 17.51% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 6.82%. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 8.40%. FDIC Certificate #11491.

Assets

$521M

Deposits

$463M

Loans

$314M

Equity

$36M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 17.51%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.42%
Cost of Funds 2.11%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.50%
Texas Ratio 8.40%
NPA Ratio 0.63%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 6.82%
Tier 1 Capital 6.82%
Total Capital Ratio 7.16%
Leverage Ratio 12.21%
Loan-to-Deposit 67.83%

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