Side-by-side · Q2 2026 data
The James Polk Stone Community Bank vs The Citizens Bank of Clovis
Metric by metric
| Measure | The James Polk Stone Community Bank | The Citizens Bank of Clovis |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 50 | 72 (stronger) |
| Loan quality | 53 | 99 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 59 | 65 (stronger) |
| Problem-loan coverage | 86 (stronger) | 84 |
| Peer percentile | 31st | 77th |
| Total assets | $443.8M | $493.1M |
| Deposits / shares | $379.3M | $439.9M |
| Capital ratio | 9.98% | 12.16% (stronger) |
| Problem loans | 1.41% | 0.04% (stronger) |
| Net charge-offs | 0.20% | 0.16% (stronger) |
| Return on assets | 2.08% (stronger) | 1.38% |
| Loans ÷ deposits | 54.1% (stronger) | 68.6% |
| Uninsured deposits | 51.9% | 39.1% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Clovis has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The James Polk Stone Community Bank leads on 2 and The Citizens Bank of Clovis on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.