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The Citizens Bank Of Clovis
Clovis, NM · FDIC Certificate #11491 · Chartered 01/0
Total assets
$493.11M
Total deposits
$439.94M
Total equity
$33.69M
Net loans
$301.60M
Branches (offices)
5
Net income (YTD)
$3.49M
Rank: #1,804 of 4,213 U.S. banks by assets · #11 of 29 in New Mexico. Assets changed -0.6% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.38% |
| Return on equity | 20.13% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 6.83% |
| Tier 1 leverage ratio | 12.16% |
| Uninsured deposits (share of deposits) | 39.1% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 68.6% |
| Real estate loans (share of loans) | 61.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $184.32M | 61.1% | |
| Commercial & industrial | $28.76M | 9.5% | |
| Consumer / individual | $1.21M | 0.4% | |
| Construction & development | $18.55M | 6.1% | |
| Agricultural | $48.48M | 16.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $431.74M | $392.08M | $3.50M | $28.10M |
| Jun 2023 | $458.00M | $384.26M | $4.27M | $24.68M |
| Jun 2024 | $500.18M | $437.70M | $4.30M | $24.66M |
| Jun 2025 | $496.03M | $430.79M | $4.40M | $29.40M |
| Jun 2026 | $493.11M | $439.94M | $3.49M | $33.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $439.94M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $439.94M.
Similar-sized banks
The First State Bank ($493.17M) · Security State Bank ($492.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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