Citizens Bank of Las Cruces: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.91 percentage points lower than in Q1 2026, at 314.85%. Citizens Bank of Las Cruces ranks 7th of 29 New Mexico banks on return on assets, in the upper half at 2.25% (Q2 2026). Citizens Bank of Las Cruces's return on assets of 2.25% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.97 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.20% |
| Tier 1 risk-based capital ratio | 12.20% |
| Total risk-based capital ratio | 13.45% |
| Tier 1 leverage ratio | 10.42% |
| Equity capital to assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.44% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.94% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 314.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 22.93% |
| Net interest margin | 4.75% |
| Efficiency ratio | 52.95% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.63% |
| Core deposits to total deposits | 98.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.34% |
| Securities to assets | 21.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.54% | 11.54% | 12.74% | 9.05% | 1.70% |
| Q4 2023 | 12.63% | 12.63% | 13.83% | 10.22% | 1.78% |
| Q1 2024 | 13.15% | 13.15% | 14.39% | 10.54% | 1.99% |
| Q2 2024 | 13.64% | 13.64% | 14.89% | 10.69% | 2.03% |
| Q3 2024 | 14.13% | 14.13% | 15.38% | 10.69% | 2.03% |
| Q4 2024 | 14.06% | 14.06% | 15.31% | 10.30% | 2.06% |
| Q1 2025 | 13.88% | 13.88% | 15.13% | 10.56% | 2.11% |
| Q2 2025 | 14.18% | 14.18% | 15.43% | 10.80% | 2.18% |
| Q3 2025 | 13.57% | 13.57% | 14.82% | 10.44% | 2.23% |
| Q4 2025 | 12.39% | 12.39% | 13.64% | 10.27% | 2.49% |
| Q1 2026 | 12.08% | 12.08% | 13.32% | 10.33% | 2.23% |
| Q2 2026 | 12.20% | 12.20% | 13.45% | 10.42% | 2.25% |
Citizens Bank of Las Cruces vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Las Cruces, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)