Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs Main Bank
Metric by metric
| Measure | Citizens Bank of Las Cruces | Main Bank |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 54 | 65 (stronger) |
| Loan quality | 86 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 56 (stronger) | 49 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 80th | 82nd |
| Total assets | $1.2B | $245.2M |
| Deposits / shares | $1.0B | $211.4M |
| Capital ratio | 10.42% | 11.55% (stronger) |
| Problem loans | 0.43% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.25% (stronger) | 2.10% |
| Loans ÷ deposits | 81.5% (stronger) | 90.8% |
| Uninsured deposits | 35.5% | 33.4% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
Main Bank has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 2 and Main Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.