Side-by-side · Q2 2026 data
The Citizens Bank of Clovis vs American Heritage Bank
Metric by metric
| Measure | The Citizens Bank of Clovis | American Heritage Bank |
|---|---|---|
| TellerScore | 80 | 83 (stronger) |
| Capital cushion | 72 (stronger) | 61 |
| Loan quality | 99 (stronger) | 93 |
| Earnings | 75 | 94 (stronger) |
| Funding & liquidity | 65 | 88 (stronger) |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 77th | 84th |
| Total assets | $493.1M | $153.2M |
| Deposits / shares | $439.9M | $137.2M |
| Capital ratio | 12.16% (stronger) | 11.09% |
| Problem loans | 0.04% (stronger) | 0.22% |
| Net charge-offs | 0.16% | -0.00% (stronger) |
| Return on assets | 1.38% | 1.85% (stronger) |
| Loans ÷ deposits | 68.6% | 52.1% (stronger) |
| Uninsured deposits | 39.1% | 26.2% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American Heritage Bank has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Clovis leads on 2 and American Heritage Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.