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Citizens Bank of Las Cruces

$1B-$10B Specialty: Commercial NM FDIC cert 20161

Designations: ✓ Community bank

Las Cruces, NM

9 branches across NM · TX

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 885 banks in the $1B-$10B peer group nationwide — 1 of 6 in NM.
  • Deposits +5.9% year over year ($1.0B on the books).
  • Delinquency rate 0.44%.
  • Return on assets 2.25%.
  • Efficiency ratio 52.89% vs a 59.73% peer average.
  • Loan-to-deposit ratio 81.50% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 6 in NM
View $1B-$10B leaderboard (NM) →

Citizens Bank of Las Cruces shows strong momentum with 4 strengths and 6.3% YoY asset growth

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

  • + Deposit Franchise: Top 33.8% in tier
  • + Profitability Leader: Top 42.3% in tier
  • + Efficiency Ratio 6.84% below tier average
  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Citizens Bank of Las Cruces releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Total Assets ? $1.2B
+6.3% YoY +0.7% QoQ
-$1.6B $2.8B
-0.6% YoY
$566.9M
+3.2% YoY
$6.3B
+7.7% YoY
15%
Total Loans ? $855.5M
+21.9% YoY +2.3% QoQ
-$1.1B $2.0B
-0.3% YoY
$317.6M
+7.5% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $1.0B
+5.9% YoY +1.7% QoQ
-$1.3B $2.3B
-0.5% YoY
$493.4M
+2.0% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 2.25%
+6.0% YoY +0.8% QoQ
+0.86% 1.39%
+17.0% YoY
1.89%
+4.0% YoY
1.30%
+12.1% YoY
Top 5.8% in tier
Net Interest Margin ? 4.80%
+8.7% YoY +1.4% QoQ
+0.93% 3.87%
+6.2% YoY
4.43%
+1.2% YoY
3.95%
+4.9% YoY
Top 7.3% in tier
Efficiency Ratio ? 52.89%
-0.9% YoY +0.4% QoQ
-6.84% 59.73%
-12.6% YoY
57.29%
+2.1% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.44%
+8.6% QoQ
-0.43% 0.87%
+11.7% YoY
1.04%
-16.3% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 81.50%
+15.1% YoY +0.6% QoQ
-3.53% 85.04%
-0.1% YoY
57.68%
+1.9% YoY
79.03%
+2.3% YoY
65%
Non-Interest-Bearing Deposit Share ? 33.73%
+0.3% YoY +0.9% QoQ
+12.46% 21.27%
-1.5% YoY
32.88%
-1.5% YoY
21.98%
-0.6% YoY
Top 10.1% in tier
Nonperforming Asset Ratio ? 0.32%
+10.3% QoQ
-0.36% 0.67%
+11.7% YoY
0.60%
-19.3% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 12.20%
-14.0% YoY +1.0% QoQ
-2.64% 14.84%
-0.4% YoY
21.71%
-4.2% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.24%
-19.5% YoY +101.9% QoQ
-0.29% 0.53%
+2.5% YoY
0.46%
-9.7% YoY
0.66%
+5.2% YoY
38%

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 33.7%
+0.1pp YoY
+0.3pp QoQ
 +12.4pp 21.4% 34.1% 22.2% 90%
Brokered Deposits n/a n/a 9.5% 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 22.0%
+5.0pp YoY
+2.1pp QoQ
 +8.0pp 14.0% 20.2% 12.5% 84%
CRE 69.6%
-3.9pp YoY
-3.0pp QoQ
 +19.5pp 50.0% 50.8% 41.4% 87%
1-4 Family 9.2%
-0.9pp YoY
+0.9pp QoQ
 -17.2pp 26.4% 20.2% 31.3% 14%
Consumer 0.2%
-0.1pp YoY
0.0pp QoQ
 -4.5pp 4.7% 3.8% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
CET1 Ratio 12.2%
-2.0pp YoY
+0.1pp QoQ
 -3.4pp 15.6% 26.0% 19.7% 28%
Leverage Ratio 10.4%
-0.4pp YoY
+0.1pp QoQ
 -0.9pp 11.3% 13.9% 12.6% 48%
Total Capital Ratio 13.5%
-2.0pp YoY
+0.1pp QoQ
 -3.2pp 16.7% 27.1% 20.8% 30%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Full-Time Employees 132
-6 (-4.3%) YoY
-5 (-3.6%) QoQ
 -182 313 75 482 17%
Assets per Employee ($) $8.9M
+11.1% YoY
+4.6% QoQ
 -$1.6M $10.5M $7.6M $8.8M 52%
Branch Count 9
0 YoY
0 QoQ
 -11 20 6 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.4%
0.0pp QoQ
 -0.4pp 0.8% 1.1% 1.0% 43%
Allowance Coverage 3.19x
-7.8% QoQ
 -15.52x 18.71x 56.44x 20.23x 66%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 17%

Profitability

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
ROE 22.9%
+0.7pp YoY
+0.1pp QoQ
 +10.3pp 12.6% 18.9% 11.6% 94%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.9% 1.0% 1.7% 6%
Net Income ($, YTD) $13.1M
+15.2% YoY
— QoQ
 -$6.1M $19.2M $5.6M $40.4M 53%

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 (2)

Deposit Franchise

growth
#28 of 80 • Top 33.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.73%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.80%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#95 of 222 • Top 42.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.25%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

52
Return on Assets
profitability
Value: 2.25%
Peer Median: 1.39%
#52 of 885 Top 5.8% in $1B-$10B
66
Net Interest Margin
profitability
Value: 4.80%
Peer Median: 3.87%
#66 of 885 Top 7.3% in $1B-$10B
90
Non-Interest-Bearing Deposit Share
funding
Value: 33.73%
Peer Median: 21.27%
#90 of 885 Top 10.1% in $1B-$10B

Top Weaknesses (3 metrics)

753
Total Assets
size
Value: $1.17B
Peer Median: $2.79B
#753 of 885 Bottom 15.0% in $1B-$10B
721
Total Loans
size
Value: $855.52M
Peer Median: $1.96B
#721 of 885 Bottom 18.6% in $1B-$10B
716
Total Deposits
size
Value: $1.05B
Peer Median: $2.32B
#716 of 885 Bottom 19.2% in $1B-$10B
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