The Citizens Bank
Farmington, NM
IDRSSD: 961259
Total Assets
$773.63M
Latest filing
Total Deposits
$673.01M
Latest filing
Net Interest Margin
4.00%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank
500 W Broadway
Farmington, NM 87401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 796
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank (Main) | 500 W Broadway | Farmington, NM |
| AZTEC BRANCH | 215 S Main Ave | Aztec, NM |
| BLOOMFIELD BRANCH | 320 W Broadway Ave | Bloomfield, NM |
| SAN JUAN BRANCH | 2911 E 20th St | Farmington, NM |
| SMITH'S STORE BRANCH | 20th And Butler | Farmington, NM |
| ANIMAS VALLEY BRANCH | 4220 Hudson St | Farmington, NM |
Showing 5 of 5
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 | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 87401 |
| State and County Number | 35045 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 10 |
| 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 | Farmington, NM |
Operational Info
| Number of Employees | 104 |
| Domestic Offices | 6 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cbnm.com |
| Data Updated | 01/30/2026 |
| CERT | 1164 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $773.63M |
| Total Deposits | $673.01M |
| Total Liabilities | $729.23M |
| Total Equity Capital | $44.40M |
| Net Income | $3.85M |
| Net Loans and Leases | $304.09M |
| Assets Per Employee ($Millions) | $7.58M |
| Bank Premises and Fixed Assets | $26.59M |
| Cash and Balances due from Depository Institutions | $36.49M |
| Deposits Held in Domestic Offices | $673.01M |
Key Performance Ratios
| Return on Assets (ROA) | 1.98% |
| Return on Equity (ROE) | 35.64% |
| Net Interest Margin | 4% |
| Efficiency Ratio | 54.6% |
| Tier 1 Risk-Based Capital Ratio | 18.554% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.739% |
| Earning Assets to total Assets | 91.55% |
Income and Expense
| Total Interest Income | $8.69M |
| Total Noninterest Income | $1.35M |
| Total Interest Expense | $1.57M |
| Total Noninterest Expense | $4.63M |
| Net Interest Income | $7.13M |
| Pre-tax Net Operating Income | $3.85M |
| Provision for Credit Losses | $0 |
| 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 | $15.38M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $38.30M |
| All Other Liabilities | $2.54M |
| Total Liabilities and Capital | $773.63M |
Securities
| Securities | $378.43M |
| Available-for-sale debt securities | $303.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $75.20M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank?
$773.63M as of the latest filing.
How much are The Citizens Bank's total deposits?
$673.01M in total deposits.
Where is The Citizens Bank located?
Farmington, NM.
What is the Net Interest Margin?
4.00%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.98%.
How much are total loans and leases?
$304.09M (latest filing).
What is the total interest income (latest filing)?
$8.69M.