B
The Citizens Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Citizens Bank
Farmington, NM
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Rating B
Asset Quality Index 9.30
Capitalization Index 7.50
Liquidity Index 4.20
Profitability Index 7.00
Stability Index 4.00
Company Info The Citizens Bank
Farmington, NM
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FDIC Number 1164
Phone Number (505) 599-0100
Website www.cbnm.com
Asset Quality The Citizens Bank
Farmington, NM
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1-Year Asset Growth -2.32%
5-Year Asset Growth 0.04%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet The Citizens Bank
Farmington, NM
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Total Assets 773.63M
Total Deposits 673.01M
Capital and Reserves The Citizens Bank
Farmington, NM
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Capital 44.40M
Leverage Ratio 9.36
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio 19.66
Liquidity The Citizens Bank
Farmington, NM
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Hot Money Ratio 7.75%
Liquidity Ratio 36.62%
Profitability The Citizens Bank
Farmington, NM
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5-Year Return on Average Assets 1.35%
Net Income 16.13M
Net Interest Spread 3.74%
Operating Profit to Average Assets 1.97%
Overhead Efficiency Ratio 51.46%
Return on Assets 1.97%
Return on Equity 42.70%