Side-by-side · Q2 2026 data
Citizens and Farmers Bank vs Virginia National Bank
Metric by metric
| Measure | Citizens and Farmers Bank | Virginia National Bank |
|---|---|---|
| TellerScore | 75 | 83 (stronger) |
| Capital cushion | 62 | 82 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 71 | 94 (stronger) |
| Funding & liquidity | 54 | 64 (stronger) |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 77th | 94th |
| Total assets | $2.8B | $1.6B |
| Deposits / shares | $2.4B | $1.4B |
| Capital ratio | 11.20% | 13.21% (stronger) |
| Problem loans | 0.09% (stronger) | 0.47% |
| Net charge-offs | 0.57% | 0.00% (stronger) |
| Return on assets | 1.27% | 1.86% (stronger) |
| Loans ÷ deposits | 89.0% | 86.9% (stronger) |
| Uninsured deposits | 30.5% | 23.7% (stronger) |
| Offices | 32 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.4% | 18.2% |
Virginia National Bank has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens and Farmers Bank leads on 1 and Virginia National Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.