FDIC Cert #20161 · Las Cruces, New Mexico · Est. 1970

Citizens Bank of Las Cruces - FDIC Bank Health Profile

A community-scale look at Citizens Bank of Las Cruces's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
A
Health grade · Excellent
2.25%
Return on assets
12.4%
Tier 1 capital

Data updated July 2026

The verdict

Citizens Bank of Las Cruces earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.39% Tier 1, profitable at 2.25% ROA, efficient (52% cost ratio).

#919
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
12.39%
Tier 1 ratio - above the 10% well-capitalized line
94th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 20161 · NM A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #562/4307
  • PHOTO-FINISH The Pennsville Natio… · NJ
  • TIER1-WELL 12.4% Tier 1
  • TEXAS-CLEAN 2.8% Texas
  • ROA-STRONG 2.25% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: The Pennsville National Bank, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens Bank of Las Cruces

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Banner Capital Bank · NE · n…92/100Citizens Bank of Las… · NM ·…92/100Hilltop National Bank · WY ·…92/100Lakeside Bank · IL · near92/100The Pennsville Natio… · NJ ·…92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens Bank of Las Cruces · July 2026

What Citizens Bank of Las Cruces's Call Report plate shows

Citizens Bank of Las Cruces (FDIC Cert #20161) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #562 of 4,307. Tier 1 capital prints at 12.39%, clearing the 10% well-capitalized line. The Texas Ratio is 2.76%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.25%. Balance-sheet scale is $1.1B, 919th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Pennsville National Bank (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens Bank of Las Cruces

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

Citizens Bank of Las Cruces's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens Bank of Las Cruces remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

How Citizens Bank of Las Cruces's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
Citizens Bank of Las Cruces's composite health score
Tier 1 Capital Ratio (12.39%) 35/40
Return on Assets (ROA) (2.25%) 25/25
Texas Ratio (2.76%) 20/20
Efficiency Ratio (51.64%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$1.0B

Customer-funded liabilities

Net Loans

$798M

Outstanding loan book

Net Income

$25M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.99% 12.39% 13.79%
Basel III capital ratios - Citizens Bank of Las Cruces

Where Citizens Bank of Las Cruces ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens Bank of Las Cruces's score of 92/100 falls in the highlighted band.

Citizens Bank of Las Cruces: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 13% higher than 87% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Citizens Bank of Las Cruces 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens Bank of Las Cruces's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens Bank of Las Cruces's $1.1B falls in the highlighted band.

Safety ratios for Citizens Bank of Las Cruces

Tier 1 capital ratio
Well-capitalized 10%

12.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.39%
Texas Ratio
2.76%
Equity Capital
$112M

What these ratios mean →

Earnings posture at Citizens Bank of Las Cruces

Return on Assets (ROA)
94th percentile nationally
2.25%
Return on Equity (ROE)
23.23%
Efficiency Ratio
51.64%

What these mean →

Income & expense at Citizens Bank of Las Cruces

$59M
Interest Income
$7M
Non-Interest Income
$28M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens Bank of Las Cruces reports a Texas Ratio of 2.76% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.76% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens Bank of Las Cruces on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside New Mexico so the neighborhood is not state containment.

PriorityOne Bank $1.1B · MS Premier Bank $1.1B · MN Pilot Grove Savings Bank $1.1B · IA First State Bank $1.1B · FL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens Bank of Las Cruces (FDIC Cert #20161) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens Bank of Las Cruces Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
First American BankArtesia $1.8B A 2.74%
InBankRaton $1.4B B 0.55%
Century BankSanta Fe $1.3B B 0.62%
Pioneer BankRoswell $1.1B A 2.19%
CNB BankCarlsbad $989M B 2.16%
Western Commerce BankCarlsbad $867M A 3.17%
The Citizens BankFarmington $774M A 2.07%
Lea County State BankHobbs $708M A 1.63%