Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs The Bank of Southside Virginia
Metric by metric
| Measure | Citizens and Farmers Bank | The Bank of Southside Virginia |
|---|---|---|
| TellerScore | 75 | 97 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 97 | 97 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 54 | 87 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 77th | 100th |
| Total assets | $2.8B | $670.3M |
| Deposits / shares | $2.4B | $489.2M |
| Capital ratio | 11.20% | 23.38% (stronger) |
| Problem loans | 0.09% | 0.08% (stronger) |
| Net charge-offs | 0.57% | -0.01% (stronger) |
| Return on assets | 1.27% | 3.74% (stronger) |
| Loans ÷ deposits | 89.0% | 54.3% (stronger) |
| Uninsured deposits | 30.5% | 27.3% (stronger) |
| Offices | 32 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | — |
The Bank of Southside Virginia has the higher TellerScore (97 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 0 and The Bank of Southside Virginia on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.