BlastPoint's Banking Scorecard
The Citizens Bank
Community
Specialty: Mortgage
NM
FDIC cert 1164
Farmington, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
The Citizens Bank demonstrates 6 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 5% in Community
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 37.88% below tier
- + Non-Interest-Bearing Deposit Share 13.38% above tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 8.31% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$773.6M
-2.3% YoY
-1.1% QoQ
|
-$617.8M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$304.1M
-0.5% YoY
-2.2% QoQ
|
-$671.4M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$673.0M
-4.7% YoY
-1.4% QoQ
|
-$491.6M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
2.07%
+109.6% YoY
-1.3% QoQ
|
+0.90% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.95%
+15.8% YoY
+0.6% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
51.46%
+3.7% YoY
+2.1% QoQ
|
-11.17% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
45.18%
+4.4% YoY
-0.8% QoQ
|
-37.88% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.43%
+7.0% YoY
+2.6% QoQ
|
+13.38% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.55%
+5.9% YoY
+3.1% QoQ
|
+8.31% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.71%
+0.9% YoY
+34.1% QoQ
|
-0.03% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (6)
Profitability Leader
growth
#18 of 371 · Top 5% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.07%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
45.18%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.43%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.55%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.18% · Tier avg: 83.06%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.16%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.43% · Tier avg: 21.05%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.55% · Tier avg: 10.24%
81
81th pctile
Efficiency Ratio
Current: 51.46% · Tier avg: 62.63%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
36
36th pctile
Total Deposits
Current: $673.0M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $773.6M · Tier avg: $1.4B
5
5th pctile
Total Loans
Current: $304.1M · Tier avg: $975.5M
Top Weaknesses
5
5th pctile
Total Loans
Current: $304.1M · Tier avg: $975.5M
33
33th pctile
Total Assets
Current: $773.6M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $673.0M · Tier avg: $1.2B
68
68th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.66%
71
71th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.74%
81
81th pctile
Efficiency Ratio
Current: 51.46% · Tier avg: 62.63%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.55% · Tier avg: 10.24%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.43% · Tier avg: 21.05%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.16%
97
97th pctile
Loan-to-Deposit Ratio
Current: 45.18% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%