$316M
−5.6%y/y
Percentile by value43rd percentileby value
FDIC
LNLSGRCB
The Citizens Bank of Clovis
Clovis, New MexicoFDIC Cert #11491
STATEEstablished 19165 branches
Holding company: CBC INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $40.3M |
| Investor CRE | $65.9M |
| Multifamily | $19.3M |
| Construction | $17.7M |
| 1–4 family | $14.2M |
| C&I | $37.3M |
| Agriculture | $76.8M |
| Other | $44.5M |
Loan book
Reported balances and balance-sheet intensity.
$313M
−5.3%y/y
Percentile by value44th percentileby value
FDIC
LNLSNET−5.34%
−220.7%y/y
Percentile by value6th percentileby value
FDIC
LNLSNET70.5%
−7.4%y/y
Percentile by value31st percentileby value
FDIC
LNLSNET + DEP62.1%
−5.8%y/y
Percentile by value32nd percentileby value
FDIC
LNLSNET + ASSET59.88%
−12.1%y/y
Percentile by value10th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCDashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,136points
−17.1%y/y
Peer standing98th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.76%
+237.3%y/y
Percentile by value50th percentileby value
FDIC
LNRENROW + LNLSGR20.86%
−28.7%y/y
Percentile by value72nd percentileby value
FDIC
LNRENROT + LNLSGR11.80%
+150.4%y/y
Percentile by value63rd percentileby value
FDIC
LNCI + LNLSGR