TellerScore

Citizens Bank of Las Cruces (FDIC certificate #20161) is based in Las Cruces, New Mexico. Its Q2 2026 call report shows $1.2B in total assets and $1.0B in deposits and 9 offices across 2 states.

Based on its Q2 2026 filing, Citizens Bank of Las Cruces scores 76/100, which we describe as strong. That is higher than 80% of 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in New Mexico, it ranks 14th. Its strongest component is earnings (100/100; 2.25%), and its lowest is capital cushion (54/100; 10.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.42%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings100/100
Return on assets (annualized): 2.25%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 81.5% · 35.5% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (81 → 76), mostly because the loan quality component weakened by 14 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202479
Q1 202581
Q2 202581
Q3 202575
Q4 202574
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%7.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.69%
Q3 202410.69%
Q4 202410.30%
Q1 202510.56%
Q2 202510.80%
Q3 202510.44%
Q4 202510.27%
Q1 202610.33%
Q2 202610.42%
Noncurrent loans
0.00%0.23%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.45%
Q4 20250.42%
Q1 20260.40%
Q2 20260.43%
Return on assets
2.04%2.15%2.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.05%
Q3 20242.04%
Q4 20242.07%
Q1 20252.13%
Q2 20252.13%
Q3 20252.17%
Q4 20252.25%
Q1 20262.24%
Q2 20262.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.2B10.42%0.43%2.25%81.5%
Q1 202675$1.2B10.33%0.40%2.24%81.0%
Q4 202574$1.1B10.27%0.42%2.25%77.8%
Q3 202575$1.1B10.44%0.45%2.17%74.7%
Q2 202581$1.1B10.80%0.00%2.13%70.8%
Q1 202581$1.1B10.56%0.00%2.13%73.7%
Q4 202479$1.0B10.30%0.00%2.07%74.3%
Q3 202481$1.1B10.69%0.02%2.04%71.9%
Q2 202481$1.0B10.69%0.00%2.05%75.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.42%
48th
Total risk-based capital13.45%
48th
Problem loans0.43%
57th
Net charge-offs0.00%
78th
Return on assets2.25%
94th
Net interest margin4.80%
93rd
Efficiency ratio52.9%
68th
Loans to deposits81.5%
64th
Uninsured deposits35.5%
38th
Loan-loss reserves1.37%
78th
Texas ratio2.9%
58th

Similar-size banks in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer BankBank Roswell, NM73 out of 100, Strong$1.1B12.3%1.71%vs
CNB BankBank Carlsbad, NM75 out of 100, Strong$1.1B9.7%0.09%vs
InBankBank Raton, NM62 out of 100, Moderate$1.4B11.5%1.31%vs
Century BankBank Santa Fe, NM61 out of 100, Moderate$1.4B10.3%1.07%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs

Deposit insurance

Is my money safe at Citizens Bank of Las Cruces?

Yes. Citizens Bank of Las Cruces is an FDIC-insured institution (FDIC certificate #20161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.5% of deposits ($372.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.45% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Citizens Bank of Las Cruces lists 9 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Citizens Bank of Las Cruces reported 414 home-loan applications under HMDA (LEI 549300L5PE7ZGYRW5Q15): 356 originated ($152,700,000 total), 13 denied, and 44 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Citizens Bank of Las Cruces
Type
State-chartered bank
FDIC certificate #
20161
RSSD ID
1016857
Primary regulator
FDIC
Holding company
Amador Bancshares Inc
Established
April 6, 1970
Headquarters
505 S Main St, Las Cruces, NM 88001
Employees
132

Quick answers

Citizens Bank of Las Cruces: common questions

Is Citizens Bank of Las Cruces FDIC insured?

Yes. Citizens Bank of Las Cruces is an FDIC-insured institution (FDIC certificate #20161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank of Las Cruces's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Bank of Las Cruces ever failed?

There is no failure record for FDIC certificate #20161 in the FDIC failed bank list.

How many branches does Citizens Bank of Las Cruces have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Las Cruces

InstitutionScoreAssetsCapitalProblem loansCompare
White Sands Federal Credit UnionCredit union Las Cruces, NM86 out of 100, Very strong$413.8M13.2%0.11%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs
WestStar BankBank El Paso, TX80 out of 100, Strong$3.3B12.3%0.00%vs
Pioneer BankBank Roswell, NM73 out of 100, Strong$1.1B12.3%1.71%vs
Southwest Heritage BankBank Scottsdale, AZ73 out of 100, Strong$892.8M13.4%0.67%vs