Side-by-side · Q2 2026 data
First American Bank vs Citizens Bank of Las Cruces
Metric by metric
| Measure | First American Bank | Citizens Bank of Las Cruces |
|---|---|---|
| TellerScore | 80 (stronger) | 76 |
| Capital cushion | 68 (stronger) | 54 |
| Loan quality | 82 | 86 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 63 (stronger) | 56 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 90th | 80th |
| Total assets | $1.9B | $1.2B |
| Deposits / shares | $1.6B | $1.0B |
| Capital ratio | 11.79% (stronger) | 10.42% |
| Problem loans | 0.53% | 0.43% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.89% (stronger) | 2.25% |
| Loans ÷ deposits | 70.3% (stronger) | 81.5% |
| Uninsured deposits | 38.8% | 35.5% (stronger) |
| Offices | 19 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 3.5% |
First American Bank has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First American Bank leads on 4 and Citizens Bank of Las Cruces on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.