BlastPoint's Banking Scorecard

The Citizens Bank

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

Farmington, NM

6 branches across NM

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
Deposits +1.7% year over year ($697.5M on the books).
Delinquency rate 0.02%.
Return on assets 2.06%.
Efficiency ratio 51.79% vs a 64.48% peer average.
Loan-to-deposit ratio 44.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 21 in NM

View $100M-$1B leaderboard (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 45.7% in tier
+ ROA 0.74% above tier average
+ Efficiency Ratio 12.69% below tier average
+ Delinquency Rate 0.90% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$804.3M +3.4% YoY +1.2% QoQ	+$417.7M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	Top 7.9% in tier
Total Loans ?	$310.5M +1.6% YoY +0.5% QoQ	+$52.2M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$697.5M +1.7% YoY +0.6% QoQ	+$370.7M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	Top 7.0% in tier
Return on Assets ?	2.06% -1.0% YoY +5.7% QoQ	+0.74%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	Top 11.9% in tier
Net Interest Margin ?	4.01% +3.5% YoY +1.1% QoQ	+0.03%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	51.79% +1.8% YoY -1.3% QoQ	-12.69%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.02% -98.2% YoY -2.4% QoQ	-0.90%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	84%
Loan-to-Deposit Ratio ?	44.52% -0.1% YoY -0.1% QoQ	-33.43%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	Top 5.7% in tier
Non-Interest-Bearing Deposit Share ?	33.95% +3.0% YoY +2.8% QoQ	+11.92%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	Top 10.8% in tier
Nonperforming Asset Ratio ?	0.01% -98.2% YoY -3.1% QoQ	-0.66%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	Top 13.0% in tier
Tier 1 Capital Ratio ?	17.62% -1.7% YoY +1.4% QoQ	+1.71%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.34% -2.1% YoY +104.5% QoQ	-0.22%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	79%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Noninterest-Bearing	34.0% +1.0pp YoY +0.9pp QoQ	+11.8pp	22.1%	34.1%	22.2%	89%
Brokered Deposits	n/a	n/a	7.9%	5.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	15.7% +0.8pp YoY +0.1pp QoQ	+4.1pp	11.6%	20.2%	12.5%	78%
CRE	45.3% -1.3pp YoY +0.1pp QoQ	+5.8pp	39.5%	50.8%	41.4%	63%
1-4 Family	39.0% +0.6pp YoY -0.1pp QoQ	+6.4pp	32.6%	20.2%	31.3%	68%
Consumer	1.1% 0.0pp YoY -0.1pp QoQ	-3.0pp	4.1%	3.8%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	17.6% -0.3pp YoY +0.2pp QoQ	-1.2pp	18.8%	26.0%	19.7%	67%
Leverage Ratio	9.1% -0.1pp YoY -0.2pp QoQ	-3.1pp	12.2%	13.9%	12.6%	14%
Total Capital Ratio	18.6% -0.4pp YoY +0.2pp QoQ	-1.3pp	19.9%	27.1%	20.8%	66%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	103 -3 (-2.8%) YoY +1 (+1.0%) QoQ	+44	58	75	482	88%
Assets per Employee ($)	$7.8M +6.4% YoY +0.2% QoQ	+$291K	$7.5M	$7.6M	$8.8M	65%
Branch Count	6 0 YoY 0 QoQ	+1	4	6	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0% -0.9pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.1%	1.0%	5%
Allowance Coverage	78.75x +5472.8% YoY +2.1% QoQ	+54.59x	24.15x	56.44x	20.23x	96%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	69%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	38.5% -10.1pp YoY +3.1pp QoQ	+26.3pp	12.2%	18.9%	11.6%	99%
Cost of Funds (YTD)	0.8% -0.1pp YoY 0.0pp QoQ	-0.9pp	1.7%	1.0%	1.7%	6%
Net Income ($, YTD)	$8.1M +0.1% YoY — QoQ	+$5.6M	$2.6M	$5.6M	$40.4M	97%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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

#303 of 661 • Top 45.7% 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: 0.34%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.06%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (10 metrics)

151

Loan-to-Deposit Ratio

liquidity

Value: 44.52%

Peer Median: 77.95%

#151 of 2643 Top 5.7% in $100M-$1B

185

Total Deposits

size

Value: $697.48M

Peer Median: $326.73M

#185 of 2643 Top 7.0% in $100M-$1B

209

Total Assets

size

Value: $804.31M

Peer Median: $386.57M

#209 of 2643 Top 7.9% in $100M-$1B

286

Non-Interest-Bearing Deposit Share

funding

Value: 33.95%

Peer Median: 22.03%

#286 of 2643 Top 10.8% in $100M-$1B

316

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.32%

#316 of 2643 Top 11.9% in $100M-$1B

345

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#345 of 2643 Top 13.0% in $100M-$1B

410

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#410 of 2633 Top 15.5% in $100M-$1B

541

Tier 1 Capital Ratio

capital

Value: 17.62%

Peer Median: 15.91%

#541 of 2643 Top 20.4% in $100M-$1B

542

Efficiency Ratio

profitability

Value: 51.79%

Peer Median: 64.48%

#542 of 2643 Top 20.5% in $100M-$1B

562

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#562 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available