BlastPoint's Banking Scorecard
The Citizens Bank of Clovis
Clovis, NM
5 branches across NM
The Citizens Bank of Clovis has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.48% above tier average
- + Efficiency Ratio 17.74% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 67.5% in tier
- - Net Interest Margin 0.48% below tier average
- - Delinquency Rate 0.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$503.4M
+0.5% YoY
-3.3% QoQ
|
+$117.3M |
$386.1M
+0.5% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$312.6M
-5.3% YoY
+0.7% QoQ
|
+$56.9M |
$255.7M
+1.1% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$443.3M
+2.2% YoY
-4.2% QoQ
|
+$115.3M |
$328.0M
+0.1% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
1.74%
-6.2% YoY
+6.3% QoQ
|
+0.48% |
1.27%
+12.9% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.45%
+0.3% YoY
+1.7% QoQ
|
-0.48% |
3.93%
+6.0% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
47.55%
+7.3% YoY
+3.5% QoQ
|
-17.74% |
65.29%
-4.5% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
Top 12.0% in tier |
| Delinquency Rate ? |
1.02%
-50.8% YoY
-3.1% QoQ
|
+0.13% |
0.89%
+18.8% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
70.52%
-7.4% YoY
+5.1% QoQ
|
-6.12% |
76.64%
+0.8% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
24.43%
-0.1% YoY
-2.5% QoQ
|
+2.41% |
22.02%
-1.0% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.63%
-53.7% YoY
+0.9% QoQ
|
+0.00% |
0.64%
+19.7% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
11.99%
+3.4% YoY
-1.7% QoQ
|
-3.84% |
15.83%
+1.5% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.04%
-1.5% YoY
-73.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.