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Citizens Bank Of Las Cruces
Las Cruces, NM · FDIC Certificate #20161 · Chartered 04/0
Total assets
$1.17B
Total deposits
$1.05B
Total equity
$116.72M
Net loans
$855.52M
Branches (offices)
9
Net income (YTD)
$13.10M
Rank: #912 of 4,213 U.S. banks by assets · #4 of 29 in New Mexico. Assets changed 6.3% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.25% |
| Return on equity | 22.88% |
| Net interest margin (YTD) | 4.80% |
| Equity to assets | 9.93% |
| Tier 1 leverage ratio | 10.42% |
| Uninsured deposits (share of deposits) | 35.5% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 81.5% |
| Real estate loans (share of loans) | 78.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $674.29M | 78.8% | |
| Commercial & industrial | $187.93M | 22.0% | |
| Consumer / individual | $1.81M | 0.2% | |
| Construction & development | $173.90M | 20.3% | |
| Agricultural | $178.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $923.41M | $855.01M | $8.97M | $63.56M |
| Jun 2023 | $1.02B | $850.29M | $8.74M | $69.03M |
| Jun 2024 | $1.01B | $904.33M | $10.29M | $93.79M |
| Jun 2025 | $1.11B | $991.37M | $11.37M | $106.53M |
| Jun 2026 | $1.17B | $1.05B | $13.10M | $116.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $1.02B | 8 |
| Texas | $33.20M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.05B.
Similar-sized banks
American Community Bank & Trust ($1.18B) · First General Bank ($1.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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