Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs Southwest Heritage Bank
Metric by metric
| Measure | Citizens Bank of Las Cruces | Southwest Heritage Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 54 | 84 (stronger) |
| Loan quality | 86 (stronger) | 78 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 56 (stronger) | 50 |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 80th | 53rd |
| Total assets | $1.2B | $892.8M |
| Deposits / shares | $1.0B | $753.6M |
| Capital ratio | 10.42% | 13.36% (stronger) |
| Problem loans | 0.43% (stronger) | 0.67% |
| Net charge-offs | 0.00% (stronger) | 0.29% |
| Return on assets | 2.25% (stronger) | 0.90% |
| Loans ÷ deposits | 81.5% (stronger) | 92.7% |
| Uninsured deposits | 35.5% | 30.8% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
Citizens Bank of Las Cruces has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 5 and Southwest Heritage Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.