B
Citizens Bank of Las Cruces
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Citizens Bank of Las Cruces
Las Cruces, NM
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Rating B
Asset Quality Index 7.30
Capitalization Index 9.20
Liquidity Index 3.50
Profitability Index 8.90
Stability Index 7.00
Company Info Citizens Bank of Las Cruces
Las Cruces, NM
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FDIC Number 20161
Phone Number (575) 647-4100
Website www.citizenslc.com
Asset Quality Citizens Bank of Las Cruces
Las Cruces, NM
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1-Year Asset Growth 4.34%
5-Year Asset Growth 14.10%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 2.68%
Non-Performing Loans to Loans 0.46%
Balance Sheet Citizens Bank of Las Cruces
Las Cruces, NM
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Total Assets 1.11B
Total Deposits 988.96M
Capital and Reserves Citizens Bank of Las Cruces
Las Cruces, NM
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Capital 110.47M
Leverage Ratio 10.44
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio 14.82
Liquidity Citizens Bank of Las Cruces
Las Cruces, NM
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Hot Money Ratio 2.28%
Liquidity Ratio 24.91%
Profitability Citizens Bank of Las Cruces
Las Cruces, NM
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5-Year Return on Average Assets 2.16%
Net Income 17.55M
Net Interest Spread 4.55%
Operating Profit to Average Assets 2.17%
Overhead Efficiency Ratio 52.96%
Return on Assets 2.17%
Return on Equity 22.38%