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Overview / Commentary
505 S. Main Street
Las Cruces, NM 88001

Citizens Bank of Las Cruces is headquartered in Las Cruces and is the 9th largest bank in the state of New Mexico. It is also the 1,545th largest bank in the nation. It was established in 1970 and as of March of 2014, it had grown to 103 employees at 6 locations. Citizens Bank of Las Cruces has a A health rating.

Reviews (1)

Citizen's Bank of Las Cruces

CBLC has been a great credit union to me. The customer service is absolutely the best I have ever dealt with. Citizens Bank of Las Cruces has a fraud procedure in place of limiting a single transaction to $500 which serves a great purpose obviously. A simple phone call a head of time, which we can all agree is only 30 seconds of your life, can allow them to lift the $500 cap and you can proceed to purchase whatever you would like. Great bank, I would certainly recommend their service to others.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizens Bank of Las Cruces had $1.83 million in non-current loans and owned real-estate with $45.86 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Las Cruces a Texas Ratio of 3.99% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizens Bank of Las Cruces experienced no significant changes from 4.23% as of March 31, 2013 to 3.99% as of March 31, 2014, resulting in a positive change of 5.80%.This indicates that the balance sheet and financial strength for Citizens Bank of Las Cruces has had no significant changes in recent periods.

Deposit Growth


In the past year, Citizens Bank of Las Cruces has increased its total deposits by $24.93 million, resulting in 7.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Bank of Las Cruces has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Bank of Las Cruces has $434.65 million in assets with $45.86 million in equity, resulting in a capitalization level of 10.55%, which is above average.

Institution Statistics

FDIC Certificate #20161
Year Established1970
Primary RegulatorFDIC
Assets and Liabilities
Assets$434.65 million
Loans$219.96 million
Deposits$374.86 million
Equity Capital$41.01 million
Loan Loss Allowance$4.85 million
Unbacked Noncurrent Loans$152,000
Real Estate Owned$1.68 million
Historic Data - March 2013
Assets$397.60 million
Equity Capital$42.19 million
Loan Loss Allowance$4.61 million
Unbacked Noncurrent Loans$152,000
Real Estate Owned$851,000
Profit Margin - Quarterly
Return on Assets1.83%
Return on Equity19.59%
Interest Income$4.38 million

Sorry, we do not have rate data for Citizens Bank of Las Cruces


Citizens Bank of Las Cruces Locations
Truth Or Consequences Branch1920 N. Date StreetTruth Or Consequences, NM 87901
Country Club Branch2841 N Main StLas Cruces, NM 88001
Picacho Branch3030 W Picacho AveLas Cruces, NM 88007
University Telshor Branch3065 East University AvenueLas Cruces, NM 88011
Roadrunner Branch3991 East Lohman AveLas Cruces, NM 88011
Citizens Bank Of Las Cruces505 S. Main StreetLas Cruces, NM 88001