# CITIZENS BANK OF CLOVIS
CLOVIS, NM · FDIC certificate 11491 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $493.1M | |
| Deposits | $439.9M | |
| Loans and leases | $305.2M | |
| Total equity | $33.7M | |
| Loans / deposits | 68.56% (p23 of band) | 82.04% |
| Liquid assets / assets | 33.81% (p73 of band) | |
| Uninsured deposits / deposits | 39.11% (p86 of band) | 25.97% |
| Brokered deposits | 5.89% | |
| Wholesale funding | 9.05% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.16% (p71 of band) | 10.81% |
| Unrealized securities loss / equity | -79.35% (p1 of band) | -8.10% |
| AOCI / equity | 2.13% (p98 of band) | |
| ROA (annualized) | 1.38% (p56 of band) | 1.28% |
| Net interest margin | 3.57% (p31 of band) | 3.91% |
| Efficiency ratio | 55.88% (p33 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 3088.89% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 55.04% (p60 of band) | |
| Auto loans | $238,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $42.4M (126% of equity) (p100 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 52 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 3 | wholesale funding >15%, AOCI drag >20% of equity |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | wholesale funding >15% |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | NIM <2.5% |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | NIM <2.5% |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 1 | loans-to-lenders >50% equity |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | construction >100% equity | loans-to-lenders >50% equity |
| 2018-12 | 1 | reserve under noncurrent | construction >100% equity |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | loans-to-lenders >50% equity, deposits shrinking |  |
| 2019-12 | 1 |  | deposits shrinking |
| 2020-03 | 0 |  | loans-to-lenders >50% equity |
| 2020-06 | 2 | charge-offs p90, loans-to-lenders >50% equity |  |
| 2020-09 | 1 | capital falling | charge-offs p90, loans-to-lenders >50% equity |
| 2020-12 | 2 | loans-to-lenders >50% equity |  |
| 2021-03 | 1 |  | loans-to-lenders >50% equity |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | NIM <2.5%, loans-to-lenders >50% equity | capital falling |
| 2022-03 | 1 |  | NIM <2.5% |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 3 |  | construction >100% equity |
| 2022-12 | 4 | construction >100% equity |  |
| 2023-03 | 6 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 5 | AOCI drag >20% of equity |  |
| 2023-12 | 6 | brokered >10% |  |
| 2024-03 | 5 | capital falling | AOCI drag >20% of equity, brokered >10% |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 5 | uninsured deposits >50% |  |
| 2024-12 | 3 |  | wholesale funding >15%, uninsured deposits >50% |
| 2025-03 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 4 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 5 | uninsured deposits leaving |  |
| 2025-12 | 3 |  | construction >100% equity, uninsured deposits leaving |
| 2026-03 | 3 | capital falling | charge-offs p90 |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-07 [Our people: Longtime bank president takes reduced role - The Eastern New Mexico News](https://news.google.com/rss/articles/CBMiygFBVV95cUxNU1dYWkhWQWh6Yk11QkFRdWRCSjNaaGtnSFlMeTlLSExrM25UWXViQ1ozbGhjN2ROSDl0X3YzcTEtMlNhMHdCRUtJOHBTMUEzclNWakhWdkJ0Wmo1cjdPRFp4NlJaeDBWZUIxTVVERG11Z2h4MWJIaVF1TmVxdG1SSi1XZF9FOEZtRVNXVG12LVRSeXo4SGlvNFpRZU0zME43OVpweWIzVmFqWkRoNVdCVlNDb3luYmJlRm1hZ0N1NlZCRzdnc1I5QndR?oc=5) · The Eastern New Mexico News
- 2025-09-28 [Jeffrey Skarda Obituary - Houston, TX - Neptune Society](https://news.google.com/rss/articles/CBMifEFVX3lxTE9uLTNxWFcxVVp2SFpYQzVvR0ZJdC1PU2xMUFNsWjdtcVpGUkREMU5GRlpyMFhBMWdHbUJfazZ4ZFZSVXNWaFhjSEptRy0zZWg3cXd4OTJiTGVQcGpYSFctb1FZQktFZktGanZqSlItM0dsRmZSREw0MnRvWDM?oc=5) · Neptune Society
- 2025-04-08 [Best Banks and Credit Unions in New Mexico 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOZnRNS1RPRWhjeXZ3MEszOEhzRVd1QjRCTW9zYU1MUUcwWlpnaFZQYW9IODNpQzluY2ZmWDBreXdSTzdlUDFwSDlBNVdxc3E5dEg2UE1MSURlMXp2VE4xZWNDczNVOEZMbkswY1dmNkVzNnJ0LUtyUXJaa29ONGNkYzR0NDA4eWhDTDlzRHZhRldMZw?oc=5) · Newsweek Rankings
- 2024-10-09 [Confimed Details Emerge of Oct 4th Unexpected Death at Washington Park Alamogordo - 2nd Life Media Alamogordo Town News](https://news.google.com/rss/articles/CBMiygFBVV95cUxPQzVHZm0yZzgtQkFlUjBzakoxQVlOVmFrM21SSDNidFlONWhrU2pfa3ZRb21JNkdiSlFXS2pUQ2hZZkN4SG1WR2hkZGUxYmhBSnJIN0pHazJVSzZRU0kxa1p6M0ZNMnI4WGxaSWgyVW9NN1N0d0ZxQ2xnT0loTU1sME8wNDZzMVFkWXdrS2hIZS1lNW5GYTFIR0NSbG16ZWY3V25YZk9mLTduZUdHSWpXZW9KazBxcnJvVWdGNmZ1ZWZyV2c5elBoNV9R?oc=5) · 2nd Life Media Alamogordo Town News
- 2019-02-14 [Town Plaza apartments subject of court proceedings - Roswell Daily Record](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNSHNnN0xTV0RzdDNqTmVYSzVPZEV4Q1RDcDMyelRoek5wb1dJQXY0TmFPTTM3RnR3TXBfdmNoMnZEX19tZWJpdExzckdjZjk5QTFXYkRvM0lld0c5eW1CdHk2a205ZUxYMXVza2tMeExfV0RZUDV1R0FrT0tpUlp0UEtEOXZiRXFUZ1BYX2VRcEFXYXRhMnB5UUpaUEpTNXZ1dGpwaXgwM2JRMWFLcnpnWDdicFFUT1BPOG0wM1lLMHJEQzEwU2hDTmpSLXM3enhj?oc=5) · Roswell Daily Record
- 2025-08-06 [Charles Fred Kamradt - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRFVDcGozQl9YTGVEYnZ0bll2aS1VWG5pOTJ5QjUtSlV1U0Jpc1pKY0VkTkM1NldMSkEzNFlmdEdhRExubnNYSGc5YzNuNC1nc1ZTekFQWUdyOGpUVE83UUxjcnVCRS0wLVJucDNlNWlnTVJDSktvdnZvQ2FaZU4ya0NjWGxvMHBhaThJaWdNWXpINzA?oc=5) · legacy.com
- 2025-06-01 [Allan Isbell Obituary (1946 - 2025) - Clovis, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPekhJNXNxM0RPRFFLYXFLdnAzTFA4YVpTOHZVMzU5cW5aRWZBbE9TZ0d5N1FJLXhrZ2NyZWpnbEFSODByOXRveWpmR3pidGFDTXlidkJuNlEwbHNVSXNlaVlzTG1YSkFuUjNuSzlGcDhrUjA3S1ZFVnUxcEFmMTFqb3FQRHNzWFJHNVRZSXQ4YUJ4azZtSTF4TmVlSjQ?oc=5) · legacy.com
- 2024-01-26 [Harden Douglas Obituary (1948 - 2024) - Clovis, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOaWhZQ0wzanpCajNtNzN4elN5b0JSQjVLTXltdFlPdGZ6ZFBCNTNRdkFXTWgzVmstNGpROXB1ZVpjc1RlQjdoZFUxY3BzMXhNbS1ncEhtdU5KRUE0a0xsVmVNNkY2a2NQa2Rac0VoN29fWUFCZS1YdVdaZ3NLekcySzFvN3hib2RZOFJRLUJFMGQ0QmJFYzNDWjN4MVZtYWs?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11491 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "11491", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide