Headquartered in Clovis, New Mexico, The Citizens Bank of Clovis is a state-chartered bank with $493.1M in total assets and $439.9M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1916.
Based on its Q2 2026 filing, The Citizens Bank of Clovis 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 12th. Its strongest component is loan quality (99/100; 0.04%), and its lowest is funding & liquidity (65/100; 69% loans-to-deposits, 39% uninsured).
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 2 points (78 → 80), mostly because the problem-loan coverage component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 77 |
| Q4 2024 | 81 |
| Q1 2025 | 61 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.03% |
| Q3 2024 | 11.12% |
| Q4 2024 | 11.33% |
| Q1 2025 | 11.60% |
| Q2 2025 | 11.75% |
| Q3 2025 | 12.22% |
| Q4 2025 | 12.21% |
| Q1 2026 | 11.99% |
| Q2 2026 | 12.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 2.04% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.01% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.01% |
| Q2 2026 | 0.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.70% |
| Q3 2024 | 1.87% |
| Q4 2024 | 1.85% |
| Q1 2025 | 1.86% |
| Q2 2025 | 1.75% |
| Q3 2025 | 1.80% |
| Q4 2025 | 1.64% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $493.1M | 12.16% | 0.04% | 1.38% | 68.6% |
| Q1 2026 | 73 | $503.4M | 11.99% | 1.01% | 1.74% | 70.5% |
| Q4 2025 | 72 | $520.5M | 12.21% | 1.04% | 1.64% | 67.1% |
| Q3 2025 | 80 | $499.2M | 12.22% | 0.01% | 1.80% | 74.1% |
| Q2 2025 | 78 | $496.0M | 11.75% | 0.01% | 1.75% | 73.8% |
| Q1 2025 | 61 | $500.8M | 11.60% | 2.04% | 1.86% | 76.1% |
| Q4 2024 | 81 | $517.1M | 11.33% | 0.00% | 1.85% | 72.4% |
| Q3 2024 | 77 | $509.5M | 11.12% | 0.00% | 1.87% | 77.6% |
| Q2 2024 | 81 | $500.2M | 11.03% | 0.00% | 1.70% | 74.4% |
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 |
|---|---|---|---|---|---|
| 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 |
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |
| The Bank of ClovisBank Clovis, NM | 76 out of 100, Strong | $438.4M | 10.8% | 0.25% | vs |
| Centinel Bank of TaosBank Taos, NM | 79 out of 100, Strong | $424.8M | 9.2% | 0.00% | vs |
| Western BankBank Artesia, NM | 81 out of 100, Strong | $350.5M | 11.1% | 0.00% | vs |
Deposit insurance
Is my money safe at The Citizens Bank of Clovis?
Yes. The Citizens Bank of Clovis is an FDIC-insured institution (FDIC certificate #11491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.1% of deposits ($172.0M) 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 12.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
The Citizens Bank of Clovis lists 5 offices in 3 cities. Most locations:
- Clovis, NM (3)
- Fort Sumner, NM (1)
- Texico, NM (1)
Identity & history
Profile
- Legal name
- The Citizens Bank of Clovis
- Type
- State-chartered bank
- FDIC certificate #
- 11491
- RSSD ID
- 710859
- Primary regulator
- FDIC
- Holding company
- Cbc Inc
- Established
- January 1, 1916
- Headquarters
- 421 Pile St, Clovis, NM 88101
- Website
- www.cbcnm.bank
- Employees
- 52
Quick answers
The Citizens Bank of Clovis: common questions
Is The Citizens Bank of Clovis FDIC insured?
Yes. The Citizens Bank of Clovis is an FDIC-insured institution (FDIC certificate #11491). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank of Clovis'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 of Clovis ever failed?
There is no failure record for FDIC certificate #11491 in the FDIC failed bank list.
How many branches does The Citizens Bank of Clovis have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clovis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State BankBank Farwell, TX | 88 out of 100, Very strong | $338.0M | 14.6% | 0.03% | vs |
| Cannon Federal Credit UnionCredit union Clovis, NM | 87 out of 100, Very strong | $101.7M | 13.7% | 0.06% | vs |
| American Heritage BankBank Clovis, NM | 83 out of 100, Strong | $153.2M | 11.1% | 0.22% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| The Bank of ClovisBank Clovis, NM | 76 out of 100, Strong | $438.4M | 10.8% | 0.25% | vs |
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |