The Citizens Bank of Clovis: how it compares with its peers
Against 14 NM banks with half to twice its assets, The Citizens Bank of Clovis's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $7.7M peer median). Its weakest relative measure is net interest margin (3.57% vs. 4.09%).
| Measure | The Citizens Bank of Clovis | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.38% | 2.06% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 4.09% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.88% | 52.04% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $7.7M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.56% | 53.24% | Context |
What it means for lending operations
Its efficiency ratio of 55.88% is above the 52.04% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Southwest Capital Bank Albuquerque, NM · $483M
- First National Bank Alamogordo, NM · $453M
- The James Polk Stone Community Bank Portales, NM · $444M
- The Bank of Clovis Clovis, NM · $438M
- Centinel Bank of Taos Taos, NM · $425M
- Western Bank Artesia, NM · $350M
Questions about The Citizens Bank of Clovis
How big is The Citizens Bank of Clovis?
The Citizens Bank of Clovis, established in 1916, is headquartered in Clovis, NM. It reported $493M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Citizens Bank of Clovis's return on assets?
1.38% annualized in Q2 2026, against a 2.06% median for 14 NM banks with half to twice its assets, ahead of 21% of them.
What is The Citizens Bank of Clovis's efficiency ratio?
55.88% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 52.04%, and lower is better.
Is The Citizens Bank of Clovis growing its loans?
Net loans shrank 5.1% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.