Side-by-side · Q2 2026 data
Southwest Capital Bank vs Citizens Bank of Las Cruces
Metric by metric
| Measure | Southwest Capital Bank | Citizens Bank of Las Cruces |
|---|---|---|
| TellerScore | 61 | 76 (stronger) |
| Capital cushion | 58 (stronger) | 54 |
| Loan quality | 45 | 86 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 68 (stronger) | 56 |
| Problem-loan coverage | 84 | 94 (stronger) |
| Peer percentile | 20th | 80th |
| Total assets | $482.9M | $1.2B |
| Deposits / shares | $432.3M | $1.0B |
| Capital ratio | 10.82% (stronger) | 10.42% |
| Problem loans | 1.66% | 0.43% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.23% | 2.25% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 81.5% |
| Uninsured deposits | 43.9% | 35.5% (stronger) |
| Offices | 3 | 9 |
| 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 61). On the 7 directional measures above (where higher or lower is clearly better), Southwest Capital Bank leads on 2 and Citizens Bank of Las Cruces on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.