Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs United Bank
Metric by metric
| Measure | Citizens and Farmers Bank | United Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 62 | 66 (stronger) |
| Loan quality | 97 (stronger) | 85 |
| Earnings | 71 | 82 (stronger) |
| Funding & liquidity | 54 (stronger) | 44 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 77th | 87th |
| Total assets | $2.8B | $33.6B |
| Deposits / shares | $2.4B | $27.3B |
| Capital ratio | 11.20% | 11.60% (stronger) |
| Problem loans | 0.09% (stronger) | 0.44% |
| Net charge-offs | 0.57% | 0.09% (stronger) |
| Return on assets | 1.27% | 1.56% (stronger) |
| Loans ÷ deposits | 89.0% (stronger) | 90.5% |
| Uninsured deposits | 30.5% (stronger) | 38.3% |
| Offices | 32 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | 27.4% | 20.3% |
Citizens and Farmers Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 4 and United 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.
Where both have branches
- Richmond, VA
- Fredericksburg, VA
- Midlothian, VA
- Charlottesville, VA
- Powhatan, VA
- Mechanicsville, VA
- West Point, VA