Citizens Bank Of Las Cruces (FDIC #20161): Bank Stress & Real-Estate Credit Exposure
Citizens Bank Of Las Cruces (FDIC Cert #20161): bank stress 46/100, moderate, STABLE over 7 days; parent AMADOR BANCSHARES INC.
Citizens Bank Of Las Cruces (#20161) lends in 4 counties across 2 states; Citizens Bank Of Las Cruces (#20161) reaches 93 ZIP codes: New Mexico 3 counties, 64 ZIPs; Texas 1 county, 31 ZIPs.
Citizens Bank Of Las Cruces (#20161) largest markets: El Paso County, TX (31 branches, 31 ZIPs) (#20161), Bernalillo County, NM (29 branches, 29 ZIPs) (#20161), DoñA Ana County, NM (156 branches, 26 ZIPs) (#20161), Sierra County, NM (10 branches, 10 ZIPs) (#20161).
Citizens Bank Of Las Cruces (#20161) reports $1.17 billion in total assets; Citizens Bank Of Las Cruces (#20161) equity $116.7 million (9.9% of Citizens Bank Of Las Cruces (#20161) assets); Citizens Bank Of Las Cruces (#20161) domestic deposits $1.05 billion; Citizens Bank Of Las Cruces (#20161) net income $13.1 million; Citizens Bank Of Las Cruces (#20161) return on assets 2.25%; Citizens Bank Of Las Cruces (#20161) return on equity 22.88%; Citizens Bank Of Las Cruces (#20161) net interest income $26.7 million; Citizens Bank Of Las Cruces (#20161) call report June 30, 2026.
Citizens Bank Of Las Cruces (#20161) noncurrent real-estate loans: none reported; Citizens Bank Of Las Cruces (#20161) net charge-offs on real estate 0.50%.
Citizens Bank Of Las Cruces (#20161) net interest margin 4.80% against an eight-quarter Citizens Bank Of Las Cruces (#20161) average of 4.47% (Citizens Bank Of Las Cruces (#20161) compression -0.33 points); Citizens Bank Of Las Cruces (#20161) rate-exposure score 40/100, Citizens Bank Of Las Cruces (#20161) fixed-rate trap 40/100; Citizens Bank Of Las Cruces (#20161) risk type credit driven; Citizens Bank Of Las Cruces (#20161) rate regime rates elevated, Citizens Bank Of Las Cruces (#20161) snapshot October 20, 2026.
Citizens Bank Of Las Cruces (#20161) stress score moved from 45.3 on June 22, 2026 to 45.8 on October 20, 2026; Citizens Bank Of Las Cruces (#20161) ranged 45.3 to 45.8 over 117 snapshots.
Citizens Bank Of Las Cruces (#20161) alerts: 4 counties; top Citizens Bank Of Las Cruces (#20161) alert scores: Albuquerque County, NM 17 (low); El Paso County, NM 17 (low); Las Cruces County, NM 17 (low); Truth Or Consequences County, NM 17 (low).