Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs Carter Bank & Trust
Metric by metric
| Measure | Citizens and Farmers Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 62 | 67 (stronger) |
| Loan quality | 97 (stronger) | 66 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 54 | 70 (stronger) |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 77th | 80th |
| Total assets | $2.8B | $4.8B |
| Deposits / shares | $2.4B | $4.2B |
| Capital ratio | 11.20% | 11.73% (stronger) |
| Problem loans | 0.09% (stronger) | 1.01% |
| Net charge-offs | 0.57% | -0.82% (stronger) |
| Return on assets | 1.27% | 3.66% (stronger) |
| Loans ÷ deposits | 89.0% | 87.7% (stronger) |
| Uninsured deposits | 30.5% | 17.7% (stronger) |
| Offices | 32 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 28.0% |
Carter Bank & Trust has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 1 and Carter Bank & Trust on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.