Side-by-side · Q2 2026 data
Citizens Bank vs The Pecos County State Bank
Metric by metric
| Measure | Citizens Bank | The Pecos County State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 51 | 66 (stronger) |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 80 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 82nd | 53rd |
| Total assets | $309.8M | $309.4M |
| Deposits / shares | $273.4M | $280.7M |
| Capital ratio | 10.07% | 11.57% (stronger) |
| Problem loans | 0.01% (stronger) | 0.98% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 2.27% (stronger) | 1.61% |
| Loans ÷ deposits | 63.5% | 42.2% (stronger) |
| Uninsured deposits | 30.2% (stronger) | 40.4% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 5 and The Pecos County State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.