BlastPoint's Banking Scorecard
Citizens Bank of Las Cruces
Designations: ✓ Community bank
Las Cruces, NM
9 branches across NM · TX
Citizens Bank of Las Cruces shows strong momentum with 4 strengths and 10.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 38.4% in tier
- + Profitability Leader: Top 43.4% in tier
- + Efficiency Ratio 8.37% below tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+10.4% YoY
+1.8% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$562.1M
+2.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.1% in tier |
| Total Loans ? |
$836.1M
+20.3% YoY
+4.8% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$311.0M
+7.5% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$1.0B
+9.3% YoY
+0.7% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$489.7M
+0.9% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
2.24%
+5.3% YoY
-0.8% QoQ
|
+0.87% |
1.37%
+19.6% YoY
|
1.89%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 6.2% in tier |
| Net Interest Margin ? |
4.74%
+6.3% YoY
+5.0% QoQ
|
+0.92% |
3.82%
+6.9% YoY
|
4.41%
+2.5% YoY
|
3.89%
+5.7% YoY
|
Top 7.9% in tier |
| Efficiency Ratio ? |
52.69%
-0.8% YoY
+2.0% QoQ
|
-8.37% |
61.06%
-4.6% YoY
|
56.82%
-1.4% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.40%
-5.9% QoQ
|
-0.49% |
0.89%
+14.1% YoY
|
1.04%
-3.5% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
81.03%
+10.0% YoY
+4.1% QoQ
|
-3.17% |
84.20%
+0.3% YoY
|
57.05%
+2.9% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
33.43%
+2.4% YoY
+4.9% QoQ
|
+12.14% |
21.29%
-2.5% YoY
|
32.96%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 11.2% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-3.1% QoQ
|
-0.39% |
0.67%
+15.6% YoY
|
0.58%
-1.5% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
12.08%
-13.0% YoY
-2.5% QoQ
|
-3.08% |
15.16%
+2.0% YoY
|
21.68%
-6.9% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.12%
-15.2% YoY
-79.6% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.22%
-8.0% YoY
|
0.32%
+4.1% YoY
|
39% |
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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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.