# CITIZENS BANK OF LAS CRUCES
LAS CRUCES, NM · FDIC certificate 20161 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $1.17B | |
| Deposits | $1.05B | |
| Loans and leases | $867.4M | |
| Total equity | $116.7M | |
| Loans / deposits | 81.50% (p36 of band) | 87.10% |
| Liquid assets / assets | 24.02% (p61 of band) | |
| Uninsured deposits / deposits | 35.52% (p62 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.42% (p48 of band) | 10.50% |
| Unrealized securities loss / equity | -5.46% (p61 of band) | -7.75% |
| AOCI / equity | -1.40% (p10 of band) | |
| ROA (annualized) | 2.25% (p94 of band) | 1.26% |
| Net interest margin | 4.80% (p93 of band) | 3.70% |
| Efficiency ratio | 52.89% (p32 of band) | |
| Noncurrent loans | 0.43% (p43 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 319.07% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 148.99% (p97 of band) | |
| Auto loans | $225,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.0M (3% of equity) (p79 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 132 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | construction >100% equity |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | construction >100% equity |  |
| 2013-06 | 1 |  | uninsured deposits leaving |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | construction >100% equity |
| 2021-03 | 2 | construction >100% equity |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 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
- 2026-05-28 [NMCA Showcase of Homes returns with 17 new homes across Las Cruces - Organ Mountain News](https://news.google.com/rss/articles/CBMifkFVX3lxTE1QRkFJZjF1OEpadXdVV0RDWk1HNTJZYVItSURzcEJqdmlfZnZJOC1wMlRsQjF0dTdhVEtkNEktSGxKdkZoUmtBbmpoTkp6dTNKczRicjRZWU1UX2RYSDJ4emFaVFcwZXU3QnFqR3JITkNaaTBsZGFKR09yVzZndw?oc=5) · Organ Mountain News
- 2021-06-10 [Businessman Grey Handy has had a ‘continuous’ relationship with Citizens Bank for 50 years - Las Cruces Bulletin](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOMWhXV0lBV2ZCc3ZGREZFZGE3bDJXUy1uakYxaXE2MXRzLS1sZHNnaWtpR3VlSjY4VndndENCX2ZLSTRZU1YzTFJCVVByNWNrMGM2bUtFUml5LXJSVW1pNTFtWVhKNHdvSXRscC1KRUVGdnA4Y21idW1oNTNnOWdTbW1NU0ZWYjB1dW0yVEVkNkwxWElSZ092SERUYlhVa0JLYmt1Ry1oczJKdDMzT1l4d2RXcng1T1REU1E1cmlSdDdWTTFPdnQzdUZVNVA2WGFI?oc=5) · Las Cruces Bulletin
- 2025-02-23 [Citizens Bank of Las Cruces BizSpotlight - Albuquerque Business First - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxNSklOZmdtaWZpQmwxVThXcm5zdWJnMWJoZ2J2LXVVdHhyN2VQT0l1clVjVXA3bWw0ODJTUFVHSVcxOUcydEgxa1FOemxXNTlOaU1EdVJobXJpbC1QUGpHMHFud1lfZUJELW14c2kyZ090aVVFUnNHc2NBWS1YVGFtZzRJOG9acUI1enJZQmlPSlZoVFo2QzNNN0N3?oc=5) · The Business Journals
- 2021-02-22 [Citizens Bank of Las Cruces (NM) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMikgFBVV95cUxNZTdTU2U3elA1bHFUV3ByNkFFTGxZNzBLU2drUFQ5RlZuN05tdUtId1lON2RtTFZDVm15ZUlCajV1MWNLRWhOeEF6WG81M3lON0ptaGNDTkJoQWVMX3dGaVA2ZnlhUEpaSFZoaFBVcWdYTWJiSWY4Y2FDQW1wWTRtQ3JvT01oUkp0bkM4eV9IMjM5QQ?oc=5) · SmartAsset
- 2015-09-03 [Names in the news - Las Cruces Sun-News](https://news.google.com/rss/articles/CBMiekFVX3lxTFBZV0JqRXZkc3hYTWR2TnBXMGxNbTlFNG44dWZPdU9KWnlCNGVOamVxbU9Nd1lIaTAxaXp5RWJvSTduLS1pUG9FOGVNTVFCUlFpTDBzTG1NSklUU2lMQ2d6azROUjFvSzdHLVZZNXo1M05TY1NLNUtTbGln?oc=5) · Las Cruces Sun-News
- 2022-09-21 [Justin Harper Obituary (1946 - 2014) - Dallas, TX - Las Cruces Sun-News - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWHJVR3ZpekRwN1ZzM0pKN19Ic1ZsZkQ0RGloY2k5M1V6bGoza2ZDNE9TdThsaVZMSkxpODhQdTgxUEc5Wi1tVUJlN1l3eGQzcXNaR0xUWV9tdC0zZkN1LTIwYWV4dTl5RXlad1ZuQkZmVjRNUXF1WlNRVU5hM29sSTdiNm9tRDBKVmtnQmNIU1o?oc=5) · Legacy obituary
- 2021-12-09 [Citizens Bank breaks ground on new location - Las Cruces Bulletin](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZENJNEFDV3hhNlM3bmVwYUlvLVVXZWxlMkJub1ZFZVpFZ3RoUVJHVTFyMTdxY1dPcE1aNHp5ajlwejZfaDNMc2ZLWjdXR2FjbEpfRjBPLXUxa0JVZVFNS2VDc0p1VDBzRU5NMjlqcmxGb2VJME5ESldEemNZMkJoZkxkcVhrWTk2XzljWk9OUWFKS08w?oc=5) · Las Cruces Bulletin

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20161 (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/1.json (key "20161", 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.

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