Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs Atlantic Union Bank
Metric by metric
| Measure | Citizens and Farmers Bank | Atlantic Union Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 73 |
| Capital cushion | 62 | 64 (stronger) |
| Loan quality | 97 (stronger) | 83 |
| Earnings | 71 | 85 (stronger) |
| Funding & liquidity | 54 (stronger) | 44 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 77th | 83rd |
| Total assets | $2.8B | $38.0B |
| Deposits / shares | $2.4B | $30.6B |
| Capital ratio | 11.20% | 11.45% (stronger) |
| Problem loans | 0.09% (stronger) | 0.50% |
| Net charge-offs | 0.57% | 0.03% (stronger) |
| Return on assets | 1.27% | 1.62% (stronger) |
| Loans ÷ deposits | 89.0% (stronger) | 92.9% |
| Uninsured deposits | 30.5% (stronger) | 36.4% |
| Offices | 32 | 177 |
| CFPB complaints (3 yrs) | — | 133 |
| Complaints per $1B deposits | — | 4.3 |
| Mortgage denial rate (HMDA) | 27.4% | 23.3% |
Citizens and Farmers Bank has the higher TellerScore (75 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 4 and Atlantic Union Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.