Side-by-side · Q2 2026 data
The Citizens Bank of Clovis vs First National Bank
Metric by metric
| Measure | The Citizens Bank of Clovis | First National Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 42 |
| Capital cushion | 72 (stronger) | 53 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 75 (stronger) | 63 |
| Funding & liquidity | 65 | 77 (stronger) |
| Problem-loan coverage | 84 (stronger) | 21 |
| Peer percentile | 77th | 3rd |
| Total assets | $493.1M | $452.8M |
| Deposits / shares | $439.9M | $425.4M |
| Capital ratio | 12.16% (stronger) | 10.31% |
| Problem loans | 0.04% (stronger) | 5.29% |
| Net charge-offs | 0.16% | 0.02% (stronger) |
| Return on assets | 1.38% (stronger) | 1.08% |
| Loans ÷ deposits | 68.6% | 50.7% (stronger) |
| Uninsured deposits | 39.1% | 35.9% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Clovis has the higher TellerScore (80 vs 42). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Clovis leads on 4 and First National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.