Side-by-side · Q2 2026 data
The Citizens Bank of Clovis vs Lea County State Bank
Metric by metric
| Measure | The Citizens Bank of Clovis | Lea County State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 49 |
| Capital cushion | 72 (stronger) | 42 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 75 | 83 (stronger) |
| Funding & liquidity | 65 | 81 (stronger) |
| Problem-loan coverage | 84 (stronger) | 73 |
| Peer percentile | 77th | 6th |
| Total assets | $493.1M | $738.3M |
| Deposits / shares | $439.9M | $662.4M |
| Capital ratio | 12.16% (stronger) | 9.21% |
| Problem loans | 0.04% (stronger) | 3.61% |
| Net charge-offs | 0.16% (stronger) | 0.66% |
| Return on assets | 1.38% | 1.58% (stronger) |
| Loans ÷ deposits | 68.6% | 34.6% (stronger) |
| Uninsured deposits | 39.1% | 31.9% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Clovis has the higher TellerScore (80 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Clovis leads on 4 and Lea County State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.