Citizens Bank of Las Cruces: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 24.8% lower than in Q1 2026, at -$6.4M. On CET1 ratio, Citizens Bank of Las Cruces is 1st from the bottom among 20 New Mexico banks, 12.20% (Q2 2026). Citizens Bank of Las Cruces reported 12.20% on CET1 ratio for Q2 2026, 1.28 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.20% |
| Tier 1 risk-based capital ratio | 12.20% |
| Total risk-based capital ratio | 13.45% |
| Tier 1 leverage ratio | 10.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $123.1M |
| Tier 1 capital | $123.1M |
| Total risk-based capital | $135.7M |
| Total equity capital | $116.7M |
| Risk-weighted assets | $1.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | 11.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.1M |
| Common stock surplus | $16.9M |
| Retained earnings | $105.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$6.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.54% | 11.54% | 12.74% | 9.05% | $819.1M |
| Q4 2023 | 12.63% | 12.63% | 13.83% | 10.22% | $832.4M |
| Q1 2024 | 13.15% | 13.15% | 14.39% | 10.54% | $817.9M |
| Q2 2024 | 13.64% | 13.64% | 14.89% | 10.69% | $806.3M |
| Q3 2024 | 14.13% | 14.13% | 15.38% | 10.69% | $794.2M |
| Q4 2024 | 14.06% | 14.06% | 15.31% | 10.30% | $796.6M |
| Q1 2025 | 13.88% | 13.88% | 15.13% | 10.56% | $806.4M |
| Q2 2025 | 14.18% | 14.18% | 15.43% | 10.80% | $808.7M |
| Q3 2025 | 13.57% | 13.57% | 14.82% | 10.44% | $852.5M |
| Q4 2025 | 12.39% | 12.39% | 13.64% | 10.27% | $941.8M |
| Q1 2026 | 12.08% | 12.08% | 13.32% | 10.33% | $992.8M |
| Q2 2026 | 12.20% | 12.20% | 13.45% | 10.42% | $1.01B |
Citizens Bank of Las Cruces regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Las Cruces, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank of Las Cruces profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20161) · FFIEC NIC profile (RSSD 1016857)