Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs Blue Ridge Bank, National Association
Bank
Blue Ridge Bank, National Association
Martinsville, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | Citizens and Farmers Bank | Blue Ridge Bank, National Association |
|---|---|---|
| TellerScore | 75 (stronger) | 49 |
| Capital cushion | 62 | 62 |
| Loan quality | 97 (stronger) | 44 |
| Earnings | 71 (stronger) | 20 |
| Funding & liquidity | 54 | 55 (stronger) |
| Problem-loan coverage | 99 (stronger) | 76 |
| Peer percentile | 77th | 6th |
| Total assets | $2.8B | $2.3B |
| Deposits / shares | $2.4B | $1.9B |
| Capital ratio | 11.20% | 11.23% (stronger) |
| Problem loans | 0.09% (stronger) | 1.68% |
| Net charge-offs | 0.57% | 0.03% (stronger) |
| Return on assets | 1.27% (stronger) | 0.01% |
| Loans ÷ deposits | 89.0% (stronger) | 96.8% |
| Uninsured deposits | 30.5% | 22.7% (stronger) |
| Offices | 32 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 11.7% |
Citizens and Farmers Bank has the higher TellerScore (75 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 4 and Blue Ridge Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Richmond, VA
- Fredericksburg, VA
- Charlottesville, VA
- Warsaw, VA
- Montross, VA
- Chester, VA
- Colonial Heights, VA