Citizens Bank of Las Cruces: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 24.70 percentage points lower than in Q1 2026, at 374.08%. Within New Mexico, Citizens Bank of Las Cruces is 5th of 29 on loan-to-deposit ratio, 82.63% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Citizens Bank of Las Cruces sits 5.57 points lower, at 82.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $867.4M |
| Net loans and leases | $855.5M |
| Loans held for sale | $3.3M |
| Loans to total assets | 73.82% |
| Loan-to-deposit ratio | 82.63% |
| Net loans to equity capital | 7.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.44% |
| Multifamily (5+ residential) | 12.11% |
| Commercial and industrial | 21.67% |
| Consumer | 0.21% |
| Credit cards | 0.10% |
| Farm | 0.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 374.08% |
| Construction concentration (Tier 1 capital + allowance) | 128.83% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.63% |
| Interest income on loans | $14.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $669.7M | $851.9M | 41.36% | 18.71% | 0.36% |
| Q4 2023 | $698.9M | $869.4M | 41.71% | 17.75% | 0.32% |
| Q1 2024 | $699.4M | $879.0M | 39.71% | 18.25% | 0.29% |
| Q2 2024 | $696.4M | $904.3M | 39.87% | 15.55% | 0.28% |
| Q3 2024 | $695.4M | $952.9M | 42.44% | 14.99% | 0.29% |
| Q4 2024 | $707.2M | $938.7M | 42.13% | 14.37% | 0.28% |
| Q1 2025 | $705.5M | $943.8M | 40.31% | 14.99% | 0.27% |
| Q2 2025 | $712.4M | $991.4M | 43.07% | 16.72% | 0.27% |
| Q3 2025 | $749.5M | $989.0M | 41.72% | 16.83% | 0.25% |
| Q4 2025 | $809.0M | $1.02B | 41.07% | 18.26% | 0.23% |
| Q1 2026 | $847.7M | $1.03B | 39.37% | 19.59% | 0.21% |
| Q2 2026 | $867.4M | $1.05B | 36.44% | 21.67% | 0.21% |
Citizens Bank of Las Cruces loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Las Cruces, freeSource: Call Report Schedule RC-C, 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)