Side-by-side · Q2 2026 data
The Citizens Bank of Clovis vs Southwest Capital Bank
Metric by metric
| Measure | The Citizens Bank of Clovis | Southwest Capital Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 61 |
| Capital cushion | 72 (stronger) | 58 |
| Loan quality | 99 (stronger) | 45 |
| Earnings | 75 (stronger) | 69 |
| Funding & liquidity | 65 | 68 (stronger) |
| Problem-loan coverage | 84 | 84 |
| Peer percentile | 77th | 20th |
| Total assets | $493.1M | $482.9M |
| Deposits / shares | $439.9M | $432.3M |
| Capital ratio | 12.16% (stronger) | 10.82% |
| Problem loans | 0.04% (stronger) | 1.66% |
| Net charge-offs | 0.16% | 0.01% (stronger) |
| Return on assets | 1.38% (stronger) | 1.23% |
| Loans ÷ deposits | 68.6% | 55.2% (stronger) |
| Uninsured deposits | 39.1% (stronger) | 43.9% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Clovis has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Clovis leads on 5 and Southwest Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.