The Citizens Bank is a state-chartered bank headquartered in Farmington, New Mexico, in business for about 121 years. At the end of Q2 2026 it reported $804.3M in total assets and $697.5M in deposits, with 6 offices.
Based on its Q2 2026 filing, The Citizens Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 11th. Its strongest component is earnings (100/100; 2.06%), and its lowest is capital cushion (41/100; 9.11%).
TellerScore · Q2 2026
Scorecard
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 rose 8 points (72 → 80), mostly because the loan quality component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 76 |
| Q4 2024 | 68 |
| Q1 2025 | 78 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 81 |
| Q1 2026 | 80 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.93% |
| Q3 2024 | 8.85% |
| Q4 2024 | 8.54% |
| Q1 2025 | 9.10% |
| Q2 2025 | 9.19% |
| Q3 2025 | 9.22% |
| Q4 2025 | 9.36% |
| Q1 2026 | 9.34% |
| Q2 2026 | 9.11% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.19% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.85% |
| Q3 2024 | 1.88% |
| Q4 2024 | 0.99% |
| Q1 2025 | 2.11% |
| Q2 2025 | 2.08% |
| Q3 2025 | 2.09% |
| Q4 2025 | 2.07% |
| Q1 2026 | 1.95% |
| Q2 2026 | 2.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $804.3M | 9.11% | 0.02% | 2.06% | 44.5% |
| Q1 2026 | 80 | $794.7M | 9.34% | 0.02% | 1.95% | 44.5% |
| Q4 2025 | 81 | $773.6M | 9.36% | 0.00% | 2.07% | 45.2% |
| Q3 2025 | 72 | $782.5M | 9.22% | 0.86% | 2.09% | 45.5% |
| Q2 2025 | 72 | $777.8M | 9.19% | 0.88% | 2.08% | 44.6% |
| Q1 2025 | 78 | $777.3M | 9.10% | 0.21% | 2.11% | 45.1% |
| Q4 2024 | 68 | $792.0M | 8.54% | 0.19% | 0.99% | 43.3% |
| Q3 2024 | 76 | $842.0M | 8.85% | 0.19% | 1.88% | 43.2% |
| Q2 2024 | 76 | $806.7M | 8.93% | 0.20% | 1.85% | 42.6% |
2,650 peers · $100 million – $1 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).
Similar-size banks in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western Commerce BankBank Carlsbad, NM | 51 out of 100, Below average | $863.5M | 8.8% | 2.30% | vs |
| Lea County State BankBank Hobbs, NM | 49 out of 100, Below average | $738.3M | 9.2% | 3.61% | vs |
| Four Corners Community BankBank Farmington, NM | 75 out of 100, Strong | $662.3M | 9.6% | 0.35% | vs |
| The Citizens Bank of ClovisBank Clovis, NM | 80 out of 100, Strong | $493.1M | 12.2% | 0.04% | vs |
| Southwest Capital BankBank Albuquerque, NM | 61 out of 100, Moderate | $482.9M | 10.8% | 1.66% | vs |
| First National BankBank Alamogordo, NM | 42 out of 100, Below average | $452.8M | 10.3% | 5.29% | vs |
Deposit insurance
Is my money safe at The Citizens Bank?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #1164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.8% of deposits ($207.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.11%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.63% (benchmark: 10%).
6 locations
Branches
The Citizens Bank lists 6 offices in 3 cities. Most locations:
- Farmington, NM (4)
- Aztec, NM (1)
- Bloomfield, NM (1)
HMDA 2025
Mortgage lending
In 2025, The Citizens Bank reported 81 home-loan applications under HMDA (LEI 549300YSNNGTWBX45K83): 55 originated ($15,665,000 total), 13 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.9%, 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
- The Citizens Bank
- Former names
- The Citizens Bank of Aztec; First Interstate Bank of Farmington, New Mexico
- Type
- State-chartered bank
- FDIC certificate #
- 1164
- RSSD ID
- 961259
- Primary regulator
- FDIC
- Holding company
- Citizens Bk Employee Stk Ownership&retirement Svg Plan
- Established
- January 1, 1905
- Headquarters
- 500 W Broadway, Farmington, NM 87401
- Website
- www.cbnm.com
- Employees
- 103
Quick answers
The Citizens Bank: common questions
Is The Citizens Bank FDIC insured?
Yes. The Citizens Bank is an FDIC-insured institution (FDIC certificate #1164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank's TellerScore?
80 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 The Citizens Bank ever failed?
There is no failure record for FDIC certificate #1164 in the FDIC failed bank list.
How many branches does The Citizens Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Farmington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Four Corners Community BankBank Farmington, NM | 75 out of 100, Strong | $662.3M | 9.6% | 0.35% | vs |
| Four Corners Federal Credit UnionCredit union Kirtland, NM | 75 out of 100, Strong | $14.8M | 20.9% | 0.08% | vs |
| High Desert Community Credit UnionCredit union Aztec, NM | 69 out of 100, Moderate | $18.3M | 12.9% | 1.95% | vs |
| Zions Bancorporation, N.A.Bank Salt Lake City, UT | 67 out of 100, Moderate | $89.0B | 9.4% | 0.47% | vs |
| Bank of the SouthwestBank Roswell, NM | 64 out of 100, Moderate | $176.3M | 9.4% | 0.73% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |