BlastPoint's Banking Scorecard

The Citizens Bank

$100M-$1B Specialty: Other NM FDIC cert 1164

Farmington, NM

6 branches across NM

2664 banks in the $100M-$1B peer group nationally 22 in NM

The Citizens Bank demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 46.1% in tier
+ ROA 0.68% above tier average
+ Efficiency Ratio 12.81% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Citizens Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$794.7M +2.2% YoY +2.7% QoQ	+$408.6M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	Top 8.2% in tier
Total Loans ?	$308.9M +0.2% YoY +1.6% QoQ	+$53.1M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	69%
Total Deposits ?	$693.5M +1.4% YoY +3.0% QoQ	+$365.5M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	Top 7.2% in tier
Return on Assets ?	1.95% -7.7% YoY -5.7% QoQ	+0.68%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 13.6% in tier
Net Interest Margin ?	3.97% +2.1% YoY +0.7% QoQ	+0.04%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	52.48% +4.3% YoY +2.0% QoQ	-12.81%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.02% -92.1% YoY	-0.87%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	44.54% -1.2% YoY -1.4% QoQ	-32.10%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	Top 6.0% in tier
Non-Interest-Bearing Deposit Share ?	33.02% +2.2% YoY -4.1% QoQ	+11.00%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 12.5% in tier
Nonperforming Asset Ratio ?	0.01% -92.3% YoY	-0.63%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	Top 12.9% in tier
Tier 1 Capital Ratio ?	17.38% -4.0% YoY -6.3% QoQ	+1.55%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.17% -1.0% YoY -76.2% QoQ	-0.11%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	79%

Get Full Access to The Citizens Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#308 of 666 • Top 46.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.17%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.95%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (10 metrics)

161

Loan-to-Deposit Ratio

liquidity

Value: 44.54%

Peer Median: 76.64%

#161 of 2664 Top 6.0% in $100M-$1B

192

Total Deposits

size

Value: $693.46M

Peer Median: $327.97M

#192 of 2664 Top 7.2% in $100M-$1B

220

Total Assets

size

Value: $794.73M

Peer Median: $386.08M

#220 of 2664 Top 8.2% in $100M-$1B

333

Non-Interest-Bearing Deposit Share

funding

Value: 33.02%

Peer Median: 22.02%

#333 of 2664 Top 12.5% in $100M-$1B

344

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#344 of 2664 Top 12.9% in $100M-$1B

363

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.27%

#363 of 2664 Top 13.6% in $100M-$1B

402

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#402 of 2654 Top 15.1% in $100M-$1B

552

Efficiency Ratio

profitability

Value: 52.48%

Peer Median: 65.29%

#552 of 2664 Top 20.7% in $100M-$1B

563

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#563 of 2664 Top 21.1% in $100M-$1B

570

Tier 1 Capital Ratio

capital

Value: 17.38%

Peer Median: 15.83%

#570 of 2664 Top 21.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available