Citizens Bank of Las Cruces
Citizens Bank of Las Cruces is an FDIC insured institution headquartered at
505 S Main St, Las Cruces, NM 88001.
It was founded in
1970 and has approximately $1 billion in
assets. Customers can open an account at one of its 6 branches.
Deposit Rates - May 8, 2024
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.03% | $100 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
6 Mo CD
|
0.35% | $1,000 | Compare |
6 Mo CD
|
0.40% | $100,000 | Compare |
12 Mo CD
|
0.55% | $1,000 | Compare |
12 Mo CD
|
0.60% | $100,000 | Compare |
24 Mo CD
|
0.80% | $1,000 | Compare |
Special: 24 Mo CD
|
0.70% | $5,000 | Compare |
24 Mo CD
|
0.85% | $100,000 | Compare |
36 Mo CD
|
0.95% | $1,000 | Compare |
36 Mo CD
|
1.00% | $100,000 | Compare |
60 Mo CD
|
1.05% | $1,000 | Compare |
60 Mo CD
|
1.10% | $100,000 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.05% | $100 | Compare |
Money Market
|
0.05% | $25,000 | Compare |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.02% | $1,500 |
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Overview 2024
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 20161 |
Date Established | 1970 |
Assets | $ 999.31 million |
Loans | $ 688.89 million |
Deposits | $ 869.43 million |
Capital | $ 88.07 million |
Summary Balance Sheet as of June 30, 2023
ASSETS | |
Cash & Balances due from depository institutions | $ 8.90 million |
Interest-bearing balances | $ 0.84 million |
Total securities | $ 265.02 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 688.89 million |
Loan loss allowance | $ 9.96 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | N.A. |
All other assets | $ 18.08 million |
Total Assets | $ 911.24 million |
LIABILITIES | |
Total deposits | $ 869.43 million |
Interest-bearing deposits | $ 580.63 million |
Deposits held in domestic offices | $ 869.43 million |
% insured (estimated) | 60.53% |
Federal funds purchased and repurchase agreements | $ 3.45 million |
Trading liabilities | N.A. |
Other borrowed funds | N.A. |
Subordinated debt | N.A. |
All other liabilities | $ 4.83 millionn |
Total Liabilities | $ 911.24 million |
Shareholders’ Equity | $ 88.07 million |
Summary Income Statement as of June 30, 2023
INCOME AND EXPENSES | |
Total Interest Income | $ 47.64 million |
Total Interest Expense | $ 11.86 million |
Net interest income | $ 35.78 million |
Provision for loan and lease losses | $ 0.60 million |
Total non interest income | $ 5.64 million |
Total non interest expense | $ 22.80 million |
Pre-tax Net Operating Income | $ 8.97 million |
Customer Reviews for Citizens Bank of Las Cruces
Branches
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Citizens Bank of Las Cruces Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL SAVINGSBankNEW MEXICO$50,000N.A.0.03%0.14x (National Avg. - 0.22%)$100-SCENARIO
Year Rate
0.03%Annual
InterestAnnual Interest
(After Tax)1 50,000 15 11 2 50,015 15 11 3 50,030 15 11 4 50,045 15 11 5 50,060 15 11 6 50,075 15 11 7 50,090 15 11 8 50,105 15 11 9 50,120 15 11 10 50,135 15 11 11 50,150 15 11 12 50,165 15 11 13 50,180 15 11 14 50,195 15 11 15 50,210 15 11 16 50,225 15 11 17 50,241 15 11 18 50,256 15 11 19 50,271 15 11 20 50,286 15 11 TOTAL $301 $211 - 2LOCAL SAVINGSBank-$50,000N.A.5.15%23.95x (National Avg. - 0.22%)$0-SCENARIO
Year Rate
5.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,575 1,803 2 52,575 2,708 1,895 3 55,283 2,847 1,993 4 58,130 2,994 2,096 5 61,123 3,148 2,203 6 64,271 3,310 2,317 7 67,581 3,480 2,436 8 71,062 3,660 2,562 9 74,721 3,848 2,694 10 78,569 4,046 2,832 11 82,616 4,255 2,978 12 86,870 4,474 3,132 13 91,344 4,704 3,293 14 96,049 4,946 3,463 15 100,995 5,201 3,641 16 106,196 5,469 3,828 17 111,665 5,751 4,026 18 117,416 6,047 4,233 19 123,463 6,358 4,451 20 129,821 6,686 4,680 TOTAL $86,507 $60,555
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