Citizens Bank of Las Cruces
BankRegReports is independent of Citizens Bank of Las Cruces and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Las Cruces is an FDIC-insured commercial bank headquartered in Las Cruces, NM, established in 1970 (FDIC certificate 20161), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.17B, up 6.3% from Q2 2025, the 4th largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 12.20% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20161
- Headquarters
- Las Cruces, NM
- Established
- 1970
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 12.20%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 112201289
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Las Cruces call report
- Holding company
- AMADOR BANCSHARES, INC.
- Asset rank in state
- 4th of 29 in New Mexico
Problem loans are rising at Citizens Bank of Las Cruces. The Las Cruces, New Mexico bank had $1.2 billion in assets at June 30, 2026, up 6.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.43% of loans from 0.00% a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 4.75 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Net income for the quarter rose 15% from a year earlier, to $6.6 million. Over the same year, loans grew 21.8% and deposits grew 5.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Citizens Bank of Las Cruces reported a CET1 capital ratio of 12.20%, a return on assets of 2.25%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 2.90%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank of Las Cruces is the 4th largest of the 29 banks headquartered in New Mexico. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $1.17B, loans rose 2.3% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 26.1% of total loans, followed by commercial and industrial loans at 21.7%. Its 9 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Las Cruces 6 offices book 87% of its branch deposits. On its Q2 2026 call report, Citizens Bank of Las Cruces meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 505 S Main St, Las Cruces, NM 88001
- County
- Dona Ana
- Metro Area
- Las Cruces, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1970
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $1.05B
- Allowance for credit losses
- $11.9M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $1.18B
- Average total loans
- $867.5M
- Average interest-bearing deposits
- $689.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 6, 1970
- FDIC Cert
- 20161
- Fed RSSD
- 1016857
- Website
- www.citizenslc.com →
- Parent Holding Company
- AMADOR BANCSHARES, INC. (RSSD 1105078)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank of Las Cruces's total assets ranged from $999.3M (Q4 2023) to $1.17B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.17B total assets against $1.11B; $1.06B total liabilities against $999.3M.
$855.5M net loans and leases against $701.8M; $1.05B total deposits against $991.4M.
$252.8M securities against $250.1M; $29.5M cash and balances due against $118.9M.
$16.6M total interest income against $14.4M; $3.0M total interest expense against $2.9M.
$13.6M net interest income against $11.4M.
$1.4M total noninterest income against $1.8M; $8.0M total noninterest expense against $7.1M.
$353K provision for credit losses against $337K.
$6.6M net income against $5.8M.
2.25% return on assets against 2.18%; 4.75% net interest margin against 4.42%.
12.20% CET1 capital ratio against 14.18%; 10.42% tier 1 leverage ratio against 10.80%.
Inside the full Citizens Bank of Las Cruces terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Citizens Bank of Las Cruces rankings
Its closest position to the top of a national ranking is 279 of 3,611, for ROA; its furthest is 1,649 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.03% (Q3 2024) to 2.49% (Q4 2025) and its net interest margin ran from 4.12% (Q3 2024) to 4.90% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.20% | 2.25% | 0.43% | 2.90% | 4.75% |
| Q1 2026 | 12.08% | 2.23% | 0.40% | 2.66% | 4.65% |
| Q4 2025 | 12.39% | 2.49% | 0.42% | 2.76% | 4.62% |
| Q3 2025 | 13.57% | 2.23% | 0.45% | 2.80% | 4.90% |
| Q2 2025 | 14.18% | 2.18% | 0.00% | 0.00% | 4.42% |
| Q1 2025 | 13.88% | 2.11% | 0.00% | 0.00% | 4.35% |
| Q4 2024 | 14.06% | 2.06% | 0.00% | 0.01% | 4.28% |
| Q3 2024 | 14.13% | 2.03% | 0.02% | 0.15% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Las Cruces (main office) | Las Cruces , NM | 88001 | $680.8M |
| Truth Or Consequences Branch | Truth Or Consequences , NM | 87901 | $82.2M |
| Roadrunner Branch | Las Cruces , NM | 88011 | $75.0M |
| Picacho Branch | Las Cruces , NM | 88007 | $69.9M |
| Country Club Branch | Las Cruces , NM | 88001 | $42.8M |
| El Paso Branch | El Paso , TX | 79902 | $33.2M |
| University Branch | Las Cruces , NM | 88011 | $32.8M |
| Sonoma Ranch Branch | Las Cruces , NM | 88012 | $17.2M |
| Albuquerque Jefferson Branch | Albuquerque , NM | 87109 | $15.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.2% of deposits in NM, rank 12 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 415 applications, 356 loans originated, $152.7M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $139K approved, $139K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Citizens Bank of Las Cruces’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Citizens Bank of Las Cruces
What are Citizens Bank of Las Cruces's total assets?
As of the Q2 2026 filing, Citizens Bank of Las Cruces reported total assets of $1.17 billion in its FFIEC call report.
Where is Citizens Bank of Las Cruces headquartered?
It is headquartered in Las Cruces, NM, United States.
When was Citizens Bank of Las Cruces founded?
It was established in 1970, per the FDIC institution directory.
Is Citizens Bank of Las Cruces FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Las Cruces?
Citizens Bank of Las Cruces's primary federal regulator is the FDIC.
What is Citizens Bank of Las Cruces's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.20% in its Q2 2026 call report, above regulatory requirements.
How many branches does Citizens Bank of Las Cruces operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Las Cruces's Texas Ratio?
Its Texas Ratio is 2.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Citizens Bank of Las Cruces.
Get an email when Citizens Bank of Las Cruces files its next call report, and benchmark it against any peer you choose.
Unlock Citizens Bank of Las Cruces, freeFree account