B
Citizens Bank of Las Cruces
Rating Date
April 2025
Risk Based
Capital Ratio
Leverage
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Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Citizens Bank of Las Cruces
Las Cruces, NM
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Rating B
Asset Quality Index 7.60
Capitalization Index 9.30
Liquidity Index 3.60
Profitability Index 8.20
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 4.74%
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 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Citizens Bank of Las Cruces
Las Cruces, NM
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Total Assets 1.06B
Total Deposits 943.76M
Capital and Reserves Citizens Bank of Las Cruces
Las Cruces, NM
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Capital 102.36M
Leverage Ratio 10.56
Loan Loss Reserves to Loans 1.47%
Risk-Based Capital Ratio 15.13
Liquidity Citizens Bank of Las Cruces
Las Cruces, NM
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Hot Money Ratio 2.43%
Liquidity Ratio 25.82%
Profitability Citizens Bank of Las Cruces
Las Cruces, NM
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5-Year Return on Average Assets 2.16%
Net Income 5.59M
Net Interest Spread 4.35%
Operating Profit to Average Assets 2.11%
Overhead Efficiency Ratio 53.09%
Return on Assets 2.11%
Return on Equity 22.21%