Side-by-side · Q2 2026 data
Citizens Bank and Trust Company vs First Bank
Metric by metric
| Measure | Citizens Bank and Trust Company | First Bank |
|---|---|---|
| TellerScore | 97 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 44 |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 93 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 100th | 44th |
| Total assets | $577.6M | $2.1B |
| Deposits / shares | $485.5M | $1.8B |
| Capital ratio | 15.39% (stronger) | 9.44% |
| Problem loans | 0.23% (stronger) | 0.32% |
| Net charge-offs | -0.00% (stronger) | 0.09% |
| Return on assets | 2.11% (stronger) | 1.14% |
| Loans ÷ deposits | 58.7% (stronger) | 79.8% |
| Uninsured deposits | 21.9% (stronger) | 31.1% |
| Offices | 12 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.3% | 17.0% |
Citizens Bank and Trust Company has the higher TellerScore (97 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company leads on 7 and First Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Farmville, VA
- Chester, VA
- Colonial Heights, VA
- South Hill, VA