Side-by-side · Q2 2026 data
The Citizens Bank vs Bank of the Southwest
Metric by metric
| Measure | The Citizens Bank | Bank of the Southwest |
|---|---|---|
| TellerScore | 80 (stronger) | 64 |
| Capital cushion | 41 | 44 (stronger) |
| Loan quality | 99 (stronger) | 76 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 84 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 77th | 26th |
| Total assets | $804.3M | $176.3M |
| Deposits / shares | $697.5M | $159.0M |
| Capital ratio | 9.11% | 9.36% (stronger) |
| Problem loans | 0.02% (stronger) | 0.73% |
| Net charge-offs | 0.06% (stronger) | 0.08% |
| Return on assets | 2.06% (stronger) | 1.07% |
| Loans ÷ deposits | 44.5% (stronger) | 75.6% |
| Uninsured deposits | 29.8% (stronger) | 30.4% |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | 16.4% |
The Citizens Bank has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 6 and Bank of the Southwest on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Farmington, NM
- Bloomfield, NM