Side-by-side · Q2 2026 data
The Citizens Bank vs Southwest Capital Bank
Metric by metric
| Measure | The Citizens Bank | Southwest Capital Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 61 |
| Capital cushion | 41 | 58 (stronger) |
| Loan quality | 99 (stronger) | 45 |
| Earnings | 100 (stronger) | 69 |
| Funding & liquidity | 84 (stronger) | 68 |
| Problem-loan coverage | 100 (stronger) | 84 |
| Peer percentile | 77th | 20th |
| Total assets | $804.3M | $482.9M |
| Deposits / shares | $697.5M | $432.3M |
| Capital ratio | 9.11% | 10.82% (stronger) |
| Problem loans | 0.02% (stronger) | 1.66% |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 2.06% (stronger) | 1.23% |
| Loans ÷ deposits | 44.5% (stronger) | 55.2% |
| Uninsured deposits | 29.8% (stronger) | 43.9% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.9% | — |
The Citizens Bank has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank leads on 5 and Southwest Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.