Citizens Bank of Las Cruces
Major Rating Factors:
Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.2 has resulted in Excellent (9.5) profitability. Excellent current capitalization (9.1 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 10.4.
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), securities (22%), comm loans (16%), home mtgs (5%), cash (3%), home eq lns (1%), consumer loans (0%), other (26%)
States with Branches:
NM, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Amador Bancshares, Inc.
Investment Rating
--
Address
505 South Main Street
Las Cruces, NM 88001
Las Cruces, NM 88001
Phone Number
(575) 647-4100
Year Founded
1970
FDIC Number
Website
Largest Affiliates
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