Citizens Bank of Las Cruces: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank of Las Cruces of Las Cruces, NM against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.25% | 1.46% | +0.79% | 93rd top |
| ROAE | 22.93% | 12.69% | +10.24% | 93rd top |
| Net Interest Margin | 4.75% | 3.85% | +0.90% | 92nd top |
| Efficiency Ratio | 52.95% | 57.40% | -4.45% | 66th above |
| PPNR / Avg Assets | 2.39% | 1.88% | +0.51% | 85th top |
| Yield on Earning Assets | 5.79% | 5.72% | +0.07% | 65th above |
| Cost of Funds | 1.15% | 2.02% | -0.87% | 91st top |
| Net Interest Spread | 4.06% | 3.18% | +0.88% | 92nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.44% | 1.00% | -0.56% | 63rd above |
| NPA / Total Assets | 0.32% | 0.76% | -0.44% | 63rd above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 65th above |
| ACL / Total Loans | 1.37% | 1.31% | +0.06% | 78th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 314.85% | 564.47% | -249.62% | 71st above |
| Texas Ratio | 2.94% | 7.39% | -4.45% | 66th above |
| Provision / NCO | 30000.00% | 602.75% | +29397.25% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.20% | 17.34% | -5.14% | 28th below |
| Tier 1 Ratio | 12.20% | 17.37% | -5.17% | 28th below |
| Total Capital Ratio | 13.45% | 18.42% | -4.97% | 31st below |
| Leverage Ratio | 10.42% | 11.44% | -1.02% | 48th below |
| Equity / Assets | 9.93% | 11.34% | -1.41% | 42nd below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.93% | 10.50% | -0.57% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.63% | 86.96% | -4.33% | 65th above |
| Core Deposit Ratio | 98.82% | 85.55% | +13.27% | 97th top |
| Uninsured Deposit Ratio | 35.52% | 33.12% | +2.40% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.26% | 9.68% | -3.42% | 57th above |
| Loan Growth (Y/Y) | 21.75% | 8.05% | +13.70% | 93rd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.88% | 7.88% | -2.00% | 57th above |
See Citizens Bank of Las Cruces's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Citizens Bank of Las Cruces, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Bank of Las Cruces profile, how to read a UBPR, or how this data updates.