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The Citizens Bank
Farmington, NM · FDIC Certificate #1164 · Chartered 01/0
Total assets
$804.31M
Total deposits
$697.48M
Total equity
$40.78M
Net loans
$310.50M
Branches (offices)
6
Net income (YTD)
$8.15M
Rank: #1,251 of 4,213 U.S. banks by assets · #8 of 29 in New Mexico. Assets changed 3.4% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.06% |
| Return on equity | 38.48% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 5.07% |
| Tier 1 leverage ratio | 9.11% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 44.5% |
| Real estate loans (share of loans) | 84.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $262.24M | 84.5% | |
| Commercial & industrial | $48.68M | 15.7% | |
| Consumer / individual | $3.50M | 1.1% | |
| Construction & development | $38.90M | 12.5% | |
| Agricultural | $551.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $834.10M | $772.46M | $7.56M | $35.67M |
| Jun 2023 | $811.07M | $705.53M | $6.94M | $19.24M |
| Jun 2024 | $806.70M | $692.39M | $7.42M | $24.94M |
| Jun 2025 | $777.79M | $685.80M | $8.14M | $37.68M |
| Jun 2026 | $804.31M | $697.48M | $8.15M | $40.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $697.48M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $697.48M.
Similar-sized banks
Anchor Bank ($805.52M) · Franklin Bank & Trust Company ($803.59M)
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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