Bank · FDIC insured
Citizens Bank of Las Cruces
A $1.2B bank headquartered in Las Cruces, NM, with 9 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—5.12%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank of Las Cruces
Locally owned and operated since 1970, Citizens Bank of Las Cruces has served its communities for over 50 years and has never sold.
The bank opened in the historic Amador Hotel, founded to serve as the heart of the community and provide needed financial services.
Headquartered in Las Cruces with nine full-service branches across New Mexico and Texas, the bank expanded its footprint by acquiring Socorro-based First State Bank.
- Headquarters
- 505 S Main St, Las Cruces, NM 88001
- FDIC certificate
- 20161 ↗
Branches
9 branches in 2 states
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New Mexico
8 branches
Las Cruces area · 6
- Citizens Bank of Las CrucesMain office505 S Main St, Las Cruces, NM 88001Directions
- Country Club Branch2841 N Main St, Las Cruces, NM 88001Directions
- Picacho Branch3030 W Picacho Ave, Las Cruces, NM 88007Directions
- Roadrunner Branch3991 E Lohman Ave, Las Cruces, NM 88011Directions
- Sonoma Ranch Branch4785 N Sonoma Ranch Blvd, Las Cruces, NM 88012Directions
- University Branch3065 E University Ave, Las Cruces, NM 88011Directions
Albuquerque area · 1
- Albuquerque Jefferson Branch7500 Jefferson St Ne, Albuquerque, NM 87109Directions
Truth or Consequences area · 1
- Truth Or Consequences Branch1920 N Date St, Truth or Consequences, NM 87901Directions
Texas
1 branch
- El Paso Branch2500 N Mesa St, El Paso, TX 79902Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.42% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.43% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.25% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalLeverage ratio10.42%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.43%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.25%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank of Las Cruces are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.