Side-by-side · Q2 2026 data
First United Bank & Trust vs Citizens Bank of West Virginia, Inc.
Metric by metric
| Measure | First United Bank & Trust | Citizens Bank of West Virginia, Inc. |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 66 (stronger) | 50 |
| Loan quality | 90 (stronger) | 81 |
| Earnings | 70 | 98 (stronger) |
| Funding & liquidity | 63 | 69 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 77th | 57th |
| Total assets | $2.1B | $772.5M |
| Deposits / shares | $1.7B | $678.7M |
| Capital ratio | 11.56% (stronger) | 10.00% |
| Problem loans | 0.31% (stronger) | 0.58% |
| Net charge-offs | 0.04% (stronger) | 0.38% |
| Return on assets | 1.25% | 1.95% (stronger) |
| Loans ÷ deposits | 89.0% (stronger) | 89.1% |
| Uninsured deposits | 22.7% | 16.8% (stronger) |
| Offices | 22 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First United Bank & Trust has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 5 and Citizens Bank of West Virginia, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.