BlastPoint's Banking Scorecard
Citizens Bank of Las Cruces
Community
Specialty: Commercial
NM
FDIC cert 20161
Las Cruces, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
Citizens Bank of Las Cruces shows strong momentum with 2 strengths and 9.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 27% in Community
- + Deposit Franchise: Top 64% in Community
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 ? |
$1.1B
+9.5% YoY
+3.3% QoQ
|
-$245.7M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$797.7M
+14.4% YoY
+8.0% QoQ
|
-$177.7M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$1.0B
+9.2% YoY
+3.6% QoQ
|
-$139.8M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
2.25%
+8.8% YoY
+4.0% QoQ
|
+1.09% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.51%
+6.1% YoY
+1.4% QoQ
|
+0.85% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
51.64%
-1.7% YoY
-2.5% QoQ
|
-10.99% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.43%
-7.3% QoQ
|
-0.20% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
77.84%
+4.8% YoY
+4.2% QoQ
|
-5.22% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
31.87%
-1.9% YoY
-2.1% QoQ
|
+10.82% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-3.1% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.39%
-11.9% YoY
-8.7% QoQ
|
+2.15% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.57%
+11.0% YoY
+28.5% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#100 of 371 · Top 27% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.25%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#97 of 150 · Top 64% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.87%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.51%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
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
95
95th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%
87
87th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.66%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 21.05%
81
81th pctile
Efficiency Ratio
Current: 51.64% · Tier avg: 62.63%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
57
57th pctile
Total Loans
Current: $797.7M · Tier avg: $975.5M
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.39% · Tier avg: 10.24%
33
33th pctile
Loan-to-Deposit Ratio
Current: 77.84% · Tier avg: 83.06%
Top Weaknesses
33
33th pctile
Loan-to-Deposit Ratio
Current: 77.84% · Tier avg: 83.06%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.39% · Tier avg: 10.24%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
57
57th pctile
Total Loans
Current: $797.7M · Tier avg: $975.5M
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
81
81th pctile
Efficiency Ratio
Current: 51.64% · Tier avg: 62.63%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 21.05%
87
87th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.66%
95
95th pctile
Return on Assets
Current: 2.25% · Tier avg: 1.16%