Original filing (PDF)20251006132206NAL0003685041001

CITIZENS BANK OF LAS CRUCES

Name: CITIZENS BANK OF LAS CRUCES — CITIZENS BANK OF LAS CRUCES EMPLOYEE STOCK OWNERSHIP & PROFIT SHARING PLAN, Form 5500 (2024)
Creator: CITIZENS BANK OF LAS CRUCES

Form 5500

FILING_RECEIVED

CITIZENS BANK OF LAS CRUCES EMPLOYEE STOCK OWNERSHIP & PROFIT SHARING PLAN

401(k) retirement plan

Signals · 4

47% employer stockCorrective distributions issuedHigh average account balanceNo recordkeeper disclosed

Active participants

100

Accounts w/ balance

139

Plan assets (EOY)

$44.8M

Net assets (EOY)

$44.8M

How this plan invests

This plan

30 pooled trusts

Schedule D

19 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Top-tier plan health

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

Total plan cost

Plan health

Vendor & structure

100

Knocking points off

Corrective distributions issued (likely failed ADP/ACP testing).

Helping the score

Below-peer total plan cost (95th percentile).
High average account balance (100th percentile).

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for CITIZENS BANK OF LAS CRUCES.

Plan sponsor

Name

CITIZENS BANK OF LAS CRUCES

EIN

85-0207454

Address

505 S MAIN ST · LAS CRUCES, NM · 880011206

Phone

(575) 647-4114

Industry

Commercial Banking· Finance & Insurancesee all

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

001

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-10-06

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2H · Partial participant-directed accounts

2I · Stock bonus

2J · 401(k) feature

2K · 401(m) arrangement

2O · ESOP (non-leveraged)

2Q · S-corporation ESOP

Service providers (Schedule C)

3 rows

Advisor / Consultant

Name	EIN	Location	Relation	Direct comp	Indirect comp
EDWARD JONES	43-0345811	—	INVESTMENT ADVISORY	$0	—
WILSHIRE ADVISORS LLC	95-2755361	—	INVESTMENT ADVISORY	$0	—

TPA / Administrator

Name	EIN	Location	Relation	Direct comp	Indirect comp
PRINCIPAL LIFE INSURANCE COMPANY

Investments

19 direct securities · 30 pooled funds· $67.7M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Pooled Separate Account

$34.6M

30 holdings

Common Stock

$14.0M

10 holdings

Other securities

$13.0M

8 holdings

Cash / Money Market

$6.1M

1 holding

					% of plan
PRIN CAPITAL APPR SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 119	Pooled Separate Account	—	—	$7.2M	16.0%
CITIZENS BANK OF LAS CRUCES EMPLOYEE STOCK OWPLANE	Other securities	—	—	$7.2M	16.0%
AMADOR BANCSHARES CASH BALANCE	Cash / Money Market	—	—	$6.1M	13.7%
Prin Capital Appr SA-R6	Common Stock	—	—	$3.8M	8.5%
PRIN LARGECAP GROWTH I SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 066	Pooled Separate Account	—	—	$3.8M	8.5%
PRIN SAM CONS GROWTH SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 107	Pooled Separate Account	—	—	$2.4M	5.3%
PRIN LIQUID ASSETS SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 024	Pooled Separate Account	—	—	$2.3M	5.1%
Prin MidCap S&P 400 Idx SA-R6	Common Stock	—	—	$2.3M	5.1%
PRIN SAM STRAT GROWTH SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 109	Pooled Separate Account	—	—	$2.3M	5.0%
PRIN SAM BALANCED SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 105	Pooled Separate Account	—	—	$2.2M	4.9%
Prin SmCap S&P 600 Index SA-R6	Common Stock	—	—	$2.2M	4.9%
Prin Core Plus Bd Sep Acct-R6	Other securities	—	—	$1.9M	4.2%
PRIN LGCAP S&P 500 INDEX SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 016	Pooled Separate Account	—	—	$1.9M	4.2%
PRIN EQUITY INCOME SA-I3 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 120	Pooled Separate Account	—	—	$1.5M	3.3%
Principal Life Insurance Company	Other securities	—	—	$1.5M	3.3%
PRIN SAM CONS BALANCED SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 106	Pooled Separate Account	—	—	$1.4M	3.1%
PRIN MIDCAP S&P 400 IDX SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 023	Pooled Separate Account	—	—	$1.2M	2.6%
PRIN LIFETIME 2020 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 076	Pooled Separate Account	—	—	$1.1M	2.5%
Prin Div Intl SA-I3	Common Stock	—	—	$1.1M	2.5%
Goldman Sachs Gov Inc A Fd	Common Stock	—	—	$1.1M	2.4%
PRIN CORE PLUS BD SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 005	Pooled Separate Account	—	—	$1.1M	2.4%
PRIN MIDCAP VALUE I SA-I2 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 043	Pooled Separate Account	—	—	$1.0M	2.3%
Prin SmallCap Growth I SA-I1	Common Stock	—	—	$1.0M	2.3%
Prin Equity Income SA-I3	Common Stock	—	—	$994K	2.2%
Prin MidCap Growth Sep Acct-R6	Other securities	—	—	$970K	2.2%
PRIN SMCAP S&P 600 INDEX SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 028	Pooled Separate Account	—	—	$970K	2.2%
Prin LargeCap Growth I SA-R6	Common Stock	—	—	$836K	1.9%
PRIN SMALLCAP GROWTH I SA-I1 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 070	Pooled Separate Account	—	—	$813K	1.8%
Prin Liquid Assets Sep Acct-R6	Other securities	—	—	$813K	1.8%
PRIN INTL SMALLCAP SEP ACCT-I4 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 014	Pooled Separate Account	—	—	$742K	1.7%
Prin Intl SmallCap Sep Acct-I4	Other securities	—	—	$621K	1.4%
PRIN DIV INTL SA-I3 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 015	Pooled Separate Account	—	—	$591K	1.3%
Prin LgCap S&P 500 Index SA-R6	Common Stock	—	—	$591K	1.3%
PRIN MIDCAP GROWTH SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 021	Pooled Separate Account	—	—	$381K	0.9%
PRIN SAM FLEXIBLE INCOME SA-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 108	Pooled Separate Account	—	—	$315K	0.7%
PRIN LIFETIME 2055 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 114	Pooled Separate Account	—	—	$295K	0.7%
PRIN LIFETIME 2025 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 111	Pooled Separate Account	—	—	$281K	0.6%
PRIN LIFETIME 2065 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 173	Pooled Separate Account	—	—	$263K	0.6%
PRIN LIFETIME 2050 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 079	Pooled Separate Account	—	—	$189K	0.4%
PRIN LIFETIME 2060 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 130	Pooled Separate Account	—	—	$175K	0.4%
Prin SAM Flexible Income SA-R6	Common Stock	—	—	$103K	0.2%
PRINCIPAL SMALLCAP SEP ACCT-I3 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 029	Pooled Separate Account	—	—	$103K	0.2%
PRIN LIFETIME 2045 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 113	Pooled Separate Account	—	—	$92K	0.2%
PRIN LIFETIME 2035 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 112	Pooled Separate Account	—	—	$85K	0.2%
PRIN LIFETIME 2030 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 077	Pooled Separate Account	—	—	$44K	<0.1%
Am Fds EuroPacific Grth R3 Fd	Other securities	—	—	$44K	<0.1%
PRIN LIFETIME 2040 SEP ACCT-R6 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 078	Pooled Separate Account	—	—	$31K	<0.1%
PRIN U.S. PROPERTY SA-I3 PRINCIPAL LIFE INSURANCE COMPANY · EIN 42-0127290 / PN 027	Pooled Separate Account	—	—	$2K	<0.1%
Principal SmallCap Sep Acct-I3	Other securities	—	—	$6	<0.1%