Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs Benchmark Community Bank
Metric by metric
| Measure | Citizens Bank and Trust Company | Benchmark Community Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 93 (stronger) | 71 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 100th | 77th |
| Total assets | $577.6M | $1.4B |
| Deposits / shares | $485.5M | $1.3B |
| Capital ratio | 15.39% (stronger) | 9.80% |
| Problem loans | 0.23% | 0.17% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 2.11% (stronger) | 1.63% |
| Loans ÷ deposits | 58.7% (stronger) | 88.9% |
| Uninsured deposits | 21.9% | 7.8% (stronger) |
| Offices | 12 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 9.1% |
Citizens Bank and Trust Company has the higher TellerScore (97 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 5 and Benchmark Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Farmville, VA
- Blackstone, VA
- Crewe, VA
- South Hill, VA