Total Assets
$1.1B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$1.0B
Customer-funded liabilities
Net Loans
$798M
Outstanding loan book
Net Income
$25M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
94th percentile nationally
2.25%
Return on Equity (ROE)
23.23%
Efficiency Ratio
51.64%
What the numbers say about Citizens Bank of Las Cruces
Citizens Bank of Las Cruces is an FDIC-insured institution (Certificate #20161) headquartered in Las Cruces, New Mexico, established in 1970. It holds $1.1B in total assets - 919th of 4,313 FDIC-insured banks, $1.0B in customer deposits, and $798M in net loans. Capital-wise, the Tier 1 ratio sits at 12.39%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.76%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Citizens Bank of Las Cruces sits 4th of 29 banks headquartered in New Mexico by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in New Mexico by total assets
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.
Other banks in New Mexico
All New Mexico banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Citizens Bank of Las Cruces's health grade?▼
Citizens Bank of Las Cruces receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens Bank of Las Cruces?▼
Citizens Bank of Las Cruces holds $1.1B in total assets and $1.0B in deposits, ranking 919th of 4,313 FDIC-insured banks by asset size. It is headquartered in Las Cruces, New Mexico.
Is my money safe at Citizens Bank of Las Cruces?▼
Yes, deposits at Citizens Bank of Las Cruces (Certificate #20161) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens Bank of Las Cruces's Tier 1 Capital Ratio?▼
Citizens Bank of Las Cruces has a Tier 1 Capital Ratio of 12.39%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Citizens Bank of Las Cruces?▼
Citizens Bank of Las Cruces has a Texas Ratio of 2.76%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens Bank of Las Cruces?▼
Citizens Bank of Las Cruces has an Efficiency Ratio of 51.64%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens Bank of Las Cruces's profile as a depositor or analyst.
- Citizens Bank of Las Cruces's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens Bank of Las Cruces against other New Mexico banks before moving funds. New Mexico banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.