Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs DSRM National Bank
Metric by metric
| Measure | Citizens Bank of Las Cruces | DSRM National Bank |
|---|---|---|
| TellerScore | 76 | 94 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 56 | 61 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 80th | 96th |
| Total assets | $1.2B | $4.4M |
| Deposits / shares | $1.0B | $500K |
| Capital ratio | 10.42% | 84.50% (stronger) |
| Problem loans | 0.43% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.25% | 2.84% (stronger) |
| Loans ÷ deposits | 81.5% | 0.0% (stronger) |
| Uninsured deposits | 35.5% (stronger) | 50.0% |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
DSRM National Bank has the higher TellerScore (94 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 1 and DSRM National Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.