CITIZENS BANK, THE

FARMINGTON, NM | Medium | Est. Jan. 1, 1905, midnight | FDIC #1164 | RSSD #961259 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK, THE is amn medium FDIC-insured commercial bank headquartered in FARMINGTON, NM, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $774M and total deposits of $673M. Profitability stands at 1.98% ROA and 35.64% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 18.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #1164.

Assets

$774M

Deposits

$673M

Loans

$308M

Equity

$44M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 35.64%
Net Interest Margin (NIM) 3.98%
Yield on Assets 4.86%
Cost of Funds 0.90%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 18.55%
Tier 1 Capital 18.55%
Total Capital Ratio 19.66%
Leverage Ratio 9.36%
Loan-to-Deposit 45.80%

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