Citizens Bank of Las Cruces
Las Cruces, NM
IDRSSD: 1016857
Total Assets
$1.15B
Latest filing
Total Deposits
$1.02B
Latest filing
Net Interest Margin
4.71%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank of Las Cruces
505 S Main St
Las Cruces, NM 88001
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/06/1970FDIC Certificate 13854
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Citizens Bank of Las Cruces (Main) | 505 S Main St | Las Cruces, NM |
| UNIVERSITY BRANCH | 3065 E University Ave | Las Cruces, NM |
| COUNTRY CLUB BRANCH | 2841 N Main St | Las Cruces, NM |
| ROADRUNNER BRANCH | 3991 E Lohman Ave | Las Cruces, NM |
| PICACHO BRANCH | 3030 W Picacho Ave | Las Cruces, NM |
| TRUTH OR CONSEQUENCES BRANCH | 1920 N Date St | Truth Or Consequences, NM |
| EL PASO BRANCH | 2500 N Mesa St | El Paso, TX |
| SONOMA RANCH BRANCH | 4785 N Sonoma Ranch Blvd | Las Cruces, NM |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/06/1970 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 88001 |
| State and County Number | 35013 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Las Cruces, NM |
Operational Info
| Number of Employees | 137 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/06/1970 |
| Primary Insurance Agency | DIF |
| Website | www.citizenslc.com |
| Data Updated | 01/30/2026 |
| CERT | 20161 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $1.02B |
| Total Liabilities | $1.03B |
| Total Equity Capital | $111.95M |
| Net Income | $7.08M |
| Net Loans and Leases | $797.73M |
| Assets Per Employee ($Millions) | $8.42M |
| Bank Premises and Fixed Assets | $13.84M |
| Cash and Balances due from Depository Institutions | $39.86M |
| Deposits Held in Domestic Offices | $1.02B |
Key Performance Ratios
| Return on Assets (ROA) | 2.51% |
| Return on Equity (ROE) | 25.47% |
| Net Interest Margin | 4.71% |
| Efficiency Ratio | 48.01% |
| Tier 1 Risk-Based Capital Ratio | 12.39% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.771% |
| Earning Assets to total Assets | 95.9% |
Income and Expense
| Total Interest Income | $15.70M |
| Total Noninterest Income | $1.61M |
| Total Interest Expense | $2.97M |
| Total Noninterest Expense | $6.89M |
| Net Interest Income | $12.73M |
| Pre-tax Net Operating Income | $7.16M |
| Provision for Credit Losses | $296.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.97M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $272.64M |
| Available-for-sale debt securities | $272.64M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank of Las Cruces?
$1.15B as of the latest filing.
How much are Citizens Bank of Las Cruces's total deposits?
$1.02B in total deposits.
Where is Citizens Bank of Las Cruces located?
Las Cruces, NM.
What is the Net Interest Margin?
4.71%.
How many domestic offices does it operate?
9.
When was it established?
04/06/1970.
What is the Return on Assets (ROA)?
2.51%.
How much are total loans and leases?
$797.73M (latest filing).
What is the total interest income (latest filing)?
$15.70M.