• Introducing Digital Wallets!

    Leave your debit card at home and pay with just a few taps of your phone or Smartwatch.

    Learn More
  • Introducing Brella!

    • Send money to friends and family
    • Protect yourself from fraud with Brella - Added Security For Your Debit Card

    Learn More
  • Grow Your Business!

    Our Commercial Loans Open Opportunities.

    Learn More
  • Increase in Fraudulent Activity

    Stay aware and stay safe.

    Learn More
  • Welcome Home!

    Our Home Loans Open Doors.

    Learn More


Citizens Bank. Serving San Juan County since 1905.
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Mobile Banking

Banking should be simple. Download our Online Banking App today to get started!

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Home Loans

Life's too short to settle for anything less than your dream home.

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Auto Loans

Hit the open road in style with a brand new car. Take out a loan today!

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Citizens Bank provides outstanding local and personalized service!

We always have your best interest in mind and are happy to walk you through the loan process.

Whether you are purchasing or building a new home, remodeling or refinancing an existing residence, our lenders will discuss the various financing options available, answer all of your questions, and close your loan quickly.

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We Offer Mortgage Loans

Holiday Hours

Christmas Eve: Saturday, December 24th

• Main Office -  Closed
• Animas, Aztec, Bloomfield: Open - Drive-up: 9am - 12pm
• San Juan: Open - Drive-up:  8am - 12pm | Lobby: 9am - 12pm
• Smith’s: Open - 9am - 12pm

Christmas Day Observed: Monday, December 26th

All Offices - Closed  |  Fed Closed

New Year’s Eve: Saturday, December 31st  

• Main Office - Closed
• Animas, Aztec, Bloomfield: Open - Drive-up: 9am - 12pm
• San Juan: Open – Drive-up: 8am - 4pm  |  Lobby: 9am - 4pm
• Smith’s: Open - 9am - 4pm

New Year’s Day Observed: Monday, January 2nd

• Main Office, Animas, Aztec, Bloomfield – Closed  |  Fed Closed
• San Juan: Open - Drive up: 8am – 7pm  |  Lobby: 9am - 7pm
• Smith’s: Open - 9am - 7pm