The Citizens Bank

BankFarmington, New Mexico
www.cbnm.com

Total Assets

$773.6M

Total Deposits

$673.0M

Branches

6

Established

1905

TFS Health Grade

$
C-

71.5 / 100

Average financial health

How we grade

The Citizens Bank is a bank headquartered in Farmington, New Mexico, established in 1905. With $773.6M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (71.5/100).

Capital & Safety

Tier 1 Capital Ratio
9.36%(8%)
Total Capital Ratio
19.66%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
2.07%(1%)
Return on Equity (ROE)
43.14%(10%)
Net Interest Margin
3.95%
Efficiency Ratio
51.46%(60%)

Lending & Liquidity

Total Loans
$308.3M
Loan-to-Deposit Ratio
45.18%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
-2.32%
Deposit Growth (YoY)
-4.68%
Net Income
$16.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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