B
The Citizens Bank
Rating Date
August 2024
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 8.40
Capitalization Index 6.90
Liquidity Index 4.50
Profitability Index 6.40
Stability Index 3.90
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 -0.54%
5-Year Asset Growth 3.26%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.74%
Non-Performing Loans to Loans 0.20%
Balance Sheet The Citizens Bank
Farmington, NM
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Total Assets 806.70M
Total Deposits 692.39M
Capital and Reserves The Citizens Bank
Farmington, NM
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Capital 24.94M
Leverage Ratio 8.93
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio 20.81
Liquidity The Citizens Bank
Farmington, NM
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Hot Money Ratio 6.68%
Liquidity Ratio 49.66%
Profitability The Citizens Bank
Farmington, NM
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5-Year Return on Average Assets 1.47%
Net Income 7.42M
Net Interest Spread 3.02%
Operating Profit to Average Assets 1.72%
Overhead Efficiency Ratio 50.48%
Return on Assets 1.72%
Return on Equity 58.92%
Weiss Ratings