B
The Citizens Bank
Rating Date
April 2025
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Major Rating Factors: A current level of 0.8 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Excellent asset quality (8.3). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 19.5 and a capital leverage ratio of 8.5.
Other Rating Factors: Fair liquidity 4.5, driven by a liquidity ratio of 45.8 percent and a “hot money” ratio of 7.2 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability.
Asset Mix: Securities (47%), home mtgs (14%), comm re (14%), cash (7%), comm loans (5%), home eq lns (1%), consumer loans (1%), other (11%)
States with Branches: NM
Asset Quality
Non-Performing Loans to Capital
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Corporate Info
Group Affiliation
Citizens Bankshares, Inc.
Investment Rating
--
Address
500 West Broadway
Farmington, NM 87401
Phone Number
(505) 599-0100
Year Founded
1905
FDIC Number
Largest Affiliates
No affiliate information available.