Citizens Bank of Las Cruces
Total assets
$1.17B
▲ +6.3% YoY
Deposits
$1.05B
▲ +5.9% YoY
Loans
$855.5M
▲ +21.9% YoY
Offices
9
AMADOR BANCSHARES INC
ROA (annualized)
2.25%
peers 1.26%
ROE (annualized)
22.88%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.5% | +0.8 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Loan growth (YoY) | +21.9% | +5.9% | +16.0 pts |
| ROA | 2.25% | 1.26% | +1.0 pts |
| ROE | 22.9% | 12.2% | +10.7 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
Profile
- Established
- 1970
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- AMADOR BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 505 S Main St, Las Cruces, NM, 88001
- County
- Dona Ana
- Metro area
- Las Cruces, NM
- Offices
- 9
- FDIC cert #
- 20161
- RSSD ID
- 1016857
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.17B | $1.05B | $855.5M | $116.7M | $13.1M | 2.25% | 4.80% | 0.32% |
| Q1 2026 | $1.17B | $1.03B | $836.1M | $114.8M | $6.5M | 2.24% | 4.74% | 0.29% |
| Q4 2025 | $1.15B | $1.02B | $797.7M | $112.0M | $24.6M | 2.25% | 4.51% | 0.30% |
| Q3 2025 | $1.11B | $989.0M | $738.5M | $110.5M | $17.5M | 2.17% | 4.45% | 0.31% |
| Q2 2025 | $1.11B | $991.4M | $701.8M | $106.5M | $11.4M | 2.13% | 4.42% | 0.00% |
| Q1 2025 | $1.06B | $943.8M | $695.1M | $102.4M | $5.6M | 2.13% | 4.46% | 0.00% |
| Q4 2024 | $1.05B | $938.7M | $697.1M | $98.8M | $21.2M | 2.07% | 4.25% | 0.00% |
| Q3 2024 | $1.06B | $952.9M | $685.5M | $101.9M | $15.6M | 2.04% | 4.15% | 0.02% |
Loan mix (Q2 2026): real estate $674.3M · commercial $187.9M · consumer $1.8M · securities $252.8M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.25% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.9% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.80% | 3.70% | 93th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 59.0% | 32th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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