The Citizens Bank: 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.
Reserve coverage of non-performing loans climbed 162.97 percentage points in Q2 2026, from 7711.54% to 7874.51%. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, The Citizens Bank is 13th of 29 on return on assets, 2.07% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, The Citizens Bank reported 2.07% on return on assets in Q2 2026, 0.82 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.62% |
| Tier 1 risk-based capital ratio | 17.62% |
| Total risk-based capital ratio | 18.63% |
| Tier 1 leverage ratio | 9.11% |
| Equity capital to assets | 5.07% |
| Tangible equity to tangible assets | 5.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.11% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 7874.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.07% |
| Return on equity | 41.88% |
| Net interest margin | 3.89% |
| Efficiency ratio | 50.08% |
| Yield on earning assets | 4.66% |
| Cost of funds | 0.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.09% |
| Core deposits to total deposits | 94.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.72% |
| Securities to assets | 50.97% |
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 | 21.40% | 21.40% | 22.50% | 9.23% | 1.46% |
| Q4 2023 | 20.16% | 20.16% | 21.24% | 8.96% | -2.08% |
| Q1 2024 | 19.13% | 19.13% | 20.13% | 8.78% | 1.66% |
| Q2 2024 | 19.78% | 19.78% | 20.81% | 8.93% | 1.78% |
| Q3 2024 | 19.45% | 19.45% | 20.48% | 8.85% | 1.87% |
| Q4 2024 | 17.52% | 17.52% | 18.57% | 8.54% | -1.65% |
| Q1 2025 | 18.11% | 18.11% | 19.17% | 9.10% | 2.01% |
| Q2 2025 | 17.93% | 17.93% | 18.98% | 9.19% | 1.96% |
| Q3 2025 | 17.99% | 17.99% | 19.08% | 9.22% | 2.02% |
| Q4 2025 | 18.55% | 18.55% | 19.66% | 9.36% | 1.89% |
| Q1 2026 | 17.38% | 17.38% | 18.39% | 9.34% | 1.88% |
| Q2 2026 | 17.62% | 17.62% | 18.63% | 9.11% | 2.07% |
The Citizens Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank, 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 The Citizens Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1164) · FFIEC NIC profile (RSSD 961259)