Citizens And Farmers Bank vs Burke & Herbert Bank & Trust Company
Comparing a Bank in West Point, VA with a Bank in Alexandria, VA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Citizens And Farmers Bank ↗ Bank · West Point, VA · Est. 1927 | Burke & Herbert Bank & Trust Company ↗ Bank · Alexandria, VA · Est. 1852 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | West Point, VA | Alexandria, VA |
| Total assets | $2.8B | $7.9B |
| Capital ratio | 11.3% | 11.8% |
| Return on assets | 1.1% | 1.6% |
| Deposits | $2.4B | $6.3B |
| Branches | 32 | 106 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 56 | #2 of 56 |
| Established | 1927 | 1852 |
Citizens And Farmers Bank
- Assets: $2.8B
- Deposits: $2.4B
- Capital ratio: 11.3%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 56
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
Are both institutions federally insured?
Yes. Citizens And Farmers Bank is FDIC-insured and Burke & Herbert Bank & Trust Company is FDIC-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, Citizens And Farmers Bank or Burke & Herbert Bank & Trust Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Citizens And Farmers Bank 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 Citizens And Farmers Bank safe?
Yes — Citizens And Farmers Bank 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of Citizens And Farmers Bank vs Burke & Herbert Bank & Trust Company?
Citizens And Farmers Bank has a capital ratio of 11.3%, placing it in the top 32% of $1B–10B peers. Burke & Herbert Bank & Trust Company's ratio is 11.8%, placing it in the top 25% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Citizens And Farmers Bank have compared to Burke & Herbert Bank & Trust Company?
The CFPB database shows 0 complaints against Citizens And Farmers Bank, and 0 complaints against Burke & Herbert Bank & Trust Company. 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 Citizens And Farmers Bank with other Banks in Virginia
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
