Burke & Herbert Bank & Trust Company vs Front Royal
Comparing a Bank in Alexandria, VA with a Credit Union in Front Royal, VA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Burke & Herbert Bank & Trust Company ↗ Bank · Alexandria, VA · Est. 1852 | Front Royal ↗ Credit Union · Front Royal, VA · Est. 1949 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Alexandria, VA | Front Royal, VA |
| Total assets | $7.9B | $86.5M |
| Capital ratio | 11.8% | 16.6% |
| Return on assets | 1.6% | 1.8% |
| Deposits | $6.3B | — |
| Branches | 106 | 5,412 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 56 | #3 of 95 |
| Established | 1852 | 1949 |
Burke & Herbert Bank & Trust Company
- Assets: $7.9B
- Deposits: $6.3B
- Capital ratio: 11.8%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #2 of 56
Front Royal
- Assets: $86.5M
- Members: 5,412
- Capital ratio: 16.6%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #3 of 95
Are both institutions federally insured?
Yes. Burke & Herbert Bank & Trust Company is FDIC-insured and Front Royal is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Burke & Herbert Bank & Trust Company or Front Royal?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Burke & Herbert Bank & Trust Company scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Burke & Herbert Bank & Trust Company safe?
Yes — Burke & Herbert Bank & Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Front Royal safe?
Yes — Front Royal is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Burke & Herbert Bank & Trust Company vs Front Royal?
Burke & Herbert Bank & Trust Company has a capital ratio of 11.8%, placing it in the top 25% of $1B–10B peers. Front Royal's ratio is 16.6%, placing it in the top 35% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Burke & Herbert Bank & Trust Company have compared to Front Royal?
The CFPB database shows 0 complaints against Burke & Herbert Bank & Trust Company, and 0 complaints against Front Royal. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Burke & Herbert Bank & Trust Company with other Banks in Virginia
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
