BlastPoint's Banking Scorecard
The Citizens Bank of Clovis
Community
Specialty: Agricultural
NM
FDIC cert 11491
Clovis, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
The Citizens Bank of Clovis has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.71% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18% in Community
- - Margin Compression: Bottom 41% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$520.5M
+0.7% YoY
+4.3% QoQ
|
-$870.9M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$310.5M
-4.9% YoY
-2.7% QoQ
|
-$665.0M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$462.7M
+2.5% YoY
+7.4% QoQ
|
-$702.0M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
1.64%
-11.5% YoY
-8.9% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.39%
-4.8% YoY
+0.1% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
45.92%
+6.6% YoY
+2.6% QoQ
|
-16.71% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? | 1.05% | +0.42% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
67.10%
-7.3% YoY
-9.4% QoQ
|
-15.96% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
25.06%
+2.6% YoY
+5.7% QoQ
|
+4.02% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.63%
-48.3% QoQ
|
+0.13% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
-2.8% YoY
+23.8% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.92%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Capital Thin
risk
#79 of 432 · Bottom 18% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Margin Compression
decline
#50 of 120 · Bottom 41% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.64%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Efficiency Ratio
Current: 45.92% · Tier avg: 62.63%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.10% · Tier avg: 83.06%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.06% · Tier avg: 21.05%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.63%
7
7th pctile
Total Deposits
Current: $462.7M · Tier avg: $1.2B
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
6
6th pctile
Total Loans
Current: $310.5M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $520.5M · Tier avg: $1.4B
Top Weaknesses
3
3th pctile
Total Assets
Current: $520.5M · Tier avg: $1.4B
6
6th pctile
Total Loans
Current: $310.5M · Tier avg: $975.5M
7
7th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
7
7th pctile
Total Deposits
Current: $462.7M · Tier avg: $1.2B
24
24th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.50%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.06% · Tier avg: 21.05%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.10% · Tier avg: 83.06%
91
91th pctile
Efficiency Ratio
Current: 45.92% · Tier avg: 62.63%