Compared with New Mexico
5 of 23
compared fees are above the median.
13 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
5th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New Mexico median
of 23 compared; 13 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for The Citizens Bank of Clovis at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Mexico median | Published fees above the New Mexico median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Citizens Bank of Clovis's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.4% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (5th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $23K in Q2 2026, 21% below the same quarter a year earlier ($29K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 23 compared published fees sit above the New Mexico median; 13 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Mexico medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
CBC Econo Checking Account $2 · NOW at CBC Account $6
Compared at $4, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for New Mexico, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 23% from Q3 2025 to Q2 2026, to $23K. Its share of revenue, 0.4%, is below the 2.1% median for banks with $300M to $1B in assets.
$23K
The Citizens Bank of ClovisMedian
FFIEC and FDIC call reportss, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $6; we compare the midpoint.
The Citizens Bank of Clovis · $493M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Citizens Bank of Clovis(this institution) | Clovis, NM | $493M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ambler Savings Bank | Ambler, PA | $502M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arundel Federal Savings Bank | Glen Burnie, MD | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank and Trust | Milledgeville, GA | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank & Trust Company | Plaquemine, LA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colonial Savings, F.A. | Fort Worth, TX | $502M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dean Co-operative Bank | Franklin, MA | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Eagle Bank and Trust Company | Little Rock, AR | $506M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eclipse Bank, Inc. | Louisville, KY | $486M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| EvaBank | Eva, AL | $491M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank and Trust | Bayport, MN | $499M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank of Nebraska | Wahoo, NE | $498M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fulton Savings Bank | Fulton, NY | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grinnell State Bank | Grinnell, IA | $499M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Grundy Bank | Morris, IL | $505M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Iowa State Bank | Des Moines, IA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants Commercial Bank | St Thomas, VI | $506M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ohio State Bank | Bexley, OH | $484M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River City Bank, Inc. | Louisville, KY | $495M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shamrock Bank, N.A. | Coalgate, OK | $501M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Capital Bank | Albuquerque, NM | $483M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Bank, F.S.B. | Sterling, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Napoleon State Bank | Napoleon, IN | $499M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| UNICO Bank | Mineral Point, MO | $503M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wallkill Valley Federal Savings and Loan Association | Wallkill, NY | $485M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4, the middle of its two prices, against a peer median of $7.50 among 17 publishing peers.
Its two checking prices are $2 and $6.
$4 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 19, 2026. Total assets from FDIC and NCUA records.
Call reports for The Citizens Bank of Clovis (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $23K | −$1K | −4.2% |
| Q1 2026 | $24K | −$1K | −4.0% |
| Q4 2025 | $25K | −$5K | −16.7% |
| Q3 2025 | $30K | +$1K | +3.4% |
| Q2 2025 | $29K | +$5K | +20.8% |
| Q1 2025 | $24K | −$17K | −41.5% |
| Q4 2024 | $41K | −$4K | −8.9% |
| Q3 2024 | $45K | +$13K | +40.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The Citizens Bank of Clovis left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Citizens Bank of Clovis by share.
Amounts from The Citizens Bank of Clovis’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| CBC Econo Checking Account Monthly maintenance fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| NOW at CBC Account Monthly maintenance fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed Within 30 Days | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection or Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non-Owned ATM Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replace Lost ATM Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Customer – Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Customer – Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Non-Customer – Incoming | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Customer – Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks: Customer | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Checks: Non-Customer | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | one time | None |
| Collection Items: Customer – Incoming | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Items: Customer – Outgoing | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Items: Non-Customer – Incoming | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Items: Non-Customer – Outgoing | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Loose Coin Processing: Customer | No chargeInside the U.S. middle 50% ($0 to $2.55 nationally) | Not stated | None |
| Cash Advance: Customer | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Charge Backs (Deposited Items Returned) | $1Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Drilling of Box | $100Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" X 10" | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 10" | $27.50Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" X 5" | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4" X 10" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4" X 5" | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" X 5" | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Complying with Garnishment | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Complying with Levies | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| Self-Directed IRA – Annual Fee | $55Above the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| Self-Directed IRA – Set-up and Maintenance | $75Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| IRA: Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $6.95Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Travel Card – Reload | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax Services: Customer – Incoming/Outgoing | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Citizens Bank of Clovis operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state, $439.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 5 | $439.9M |
Largest competitors nearby
Local market: Curry and De Baca counties, NM, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| The Bank of Clovis | 22.2% |
| American Heritage Bank | 11.3% |
| U.S. Bank National Association | 8% |
| UMB Bank, National Association | 7.5% |
| Wells Fargo Bank, National Association | 7.2% |
This bank holds 36.3% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.