# CITIZENS BANK
FARMINGTON, NM · FDIC certificate 1164 · 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 | $804.3M | |
| Deposits | $697.5M | |
| Loans and leases | $314.5M | |
| Total equity | $40.8M | |
| Loans / deposits | 44.52% (p4 of band) | 82.04% |
| Liquid assets / assets | 54.39% (p95 of band) | |
| Uninsured deposits / deposits | 29.76% (p66 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.71% (p69 of band) | |
| FHLB advances / assets | 1.67% | |
| Tier 1 leverage | 9.11% (p14 of band) | 10.81% |
| Unrealized securities loss / equity | -95.58% (p1 of band) | -8.10% |
| AOCI / equity | -9.11% (p0 of band) | |
| ROA (annualized) | 2.06% (p88 of band) | 1.28% |
| Net interest margin | 4.01% (p56 of band) | 3.91% |
| Efficiency ratio | 51.79% (p22 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 7874.51% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 95.40% (p85 of band) | |
| Auto loans | $192,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 103 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2013-09 | 2 | securities losses >30% of equity | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  | securities losses >30% of equity |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | deposits shrinking |  |
| 2018-03 | 0 |  | deposits shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2020-03 | 3 | capital falling | charge-offs p90 |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 0 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 | construction >100% equity | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 3 | construction >100% equity, deposits shrinking |  |
| 2023-09 | 6 | AOCI drag >20% of equity, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  | construction >100% equity, AOCI drag >20% of equity, assets shrinking |
| 2024-03 | 3 | capital falling | uninsured deposits leaving |
| 2024-06 | 1 |  | deposits shrinking, capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | capital falling, construction >100% equity |  |
| 2025-03 | 1 |  | capital falling, construction >100% equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2026-09-09 [Citizens Bank Bonuses And Promotions: Earn Up To $400 - Forbes](https://news.google.com/rss/articles/CBMiekFVX3lxTE5RbE5IbnVlWEl1eVl6WWx2Y3lIalhvazZvMzNMcUF2V2ZlNTJrbG14Q0djUGxFWEFJWGZMTEJockNlMHJqMWF3TzFVemtxeVdrZW9qdkZ1bVZud0tOZXJlRlQyREZUc2o4UnVIVDBISnhBNVQ2NWJycVpn?oc=5) · Forbes
- 2026-07-30 [Citizens Bank of Las Cruces to merge with Socorro-based First State Bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUDlrSFhzUWx3dF85emdzT0J5Vmtyd2p5eFc5akU4QzY0QUtVcDBpdDNoQ3BZWjdZZnlKT3ZzZWZIM3BXTW1fSk93emNmRW9sRmdKWWZMNUk5VGx6N2tETEUyT0cycmpFLWkxRHFxcEt0QWpFMFFLRE5KeF9vbE1HZF9vWm5wRzBNWW5SWEVHdmlWcUdFMlRUb2Fxd2pjRmc?oc=5) · The Business Journals
- 2025-11-19 [New Citizens Bank ribbon cutting featured hefty turnout, live music - Tri City Record](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTWxXQ2ZKdF9PNEdfekJOYlY1d1l5YS10aHJha1pVNUxrMnpPOEFvQ1YyQWNPUmFOR3BLZ0hwMm1HSzMyMEN6Z0lmcm53QjFEWTZuc0FZaWU0dzBCVndndDZUZGZ2N0toRGo5R2hoZUFhakdsa0pZZlFuMU9pR1NEQXJCa2tSNkJEVkhwLXVnRHBraHNSN05JQnJaSzRXdldhWmhMX2hTdnBLaFdr?oc=5) · Tri City Record
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-18 [Citizens Bank class action alleges bank failed to protect sensitive information in data breach - Top Class Actions](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQWVcxTDVMWlZRSktDcFppRlB0SnB6YUZ0dG1KTExsOWtSaTNYVGJYbmR3Q2RWczJNcG42Um00aE56dm0xWmM5dE8wMXM3S0c0MTM5dDA2WFlzU2VudTJFdmtCRm41Y0kxdVBqTjRvVkp3aFJhc2VnQUlvc0VQNmNMaG1Zd2R6a3dHcEc5Zk1PcUR1TzFERHd5UG1KdkdQSVdULTk5YVVzUC1HN2hza1l2MzdLNEdhNk1ld2wxblRDZm9pSlFzQmdDakFEbWc5b3lXd2tJTlQwTm5RbGVxZjZNVHVKX2lkY1N0aHhTRQ?oc=5) · Top Class Actions
- 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
- 2026-07-30 [Citizens Bank Cuts Ties to ICE Prison Companies GEO Group & CoreCivic After Grassroots De-ICE Campaign - Democracy Now!](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1zRWVZWVd1STBkNXBYbjc1WWVMQzh6SFZDYnpiWjBmR2xYS29lUUkzd0p2ZTZnSmRPeGF4RDVJSWZuLTFVenJfdWo4TlBTMUZFb2JTWWEtQ1ducmVwd19vX0RUcHNTQQ?oc=5) · Democracy Now!
- 2026-07-17 [Citizens Bank is parting ways with two ICE contractors - News From The States](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVjhzS3doQ0tWSGowckRUVXluQ0RaRDEzc2x0RzgycElwUEdBcTJRSU9NalRHM0w3bGU0SzVVNjJfNllDNVpOd2VTUXJXM2hHaDBlN1RocUU1OUhUZE1USUFWWUxGOW1vY3NSQy16N0xJNlo2MHBidHdVZGE1VHBsMGYySmxGUkNPVlItRnNrOVF2Zw?oc=5) · News From The States

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1164 (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/12.json (key "1164", 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