Citizens And Farmers Bank vs First Community Bank
Comparing a Bank in West Point, VA with a Bank in Bluefield, 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 | First Community Bank ↗ Bank · Bluefield, VA · Est. 1920 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | West Point, VA | Bluefield, VA |
| Total assets | $2.8B | $3.6B |
| Capital ratio | 11.3% | 13.7% |
| Return on assets | 1.1% | 1.5% |
| Deposits | $2.4B | $3.1B |
| Branches | 32 | 68 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 56 | #5 of 56 |
| Established | 1927 | 1920 |
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
First Community Bank
- Assets: $3.6B
- Deposits: $3.1B
- Capital ratio: 13.7%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #5 of 56
Are both institutions federally insured?
Yes. Citizens And Farmers Bank is FDIC-insured and First Community Bank 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 First Community Bank?
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 First Community Bank safe?
Yes — First Community Bank 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 First Community Bank?
Citizens And Farmers Bank has a capital ratio of 11.3%, placing it in the top 32% of $1B–10B peers. First Community Bank's ratio is 13.7%, placing it in the top 10% 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 First Community Bank?
The CFPB database shows 0 complaints against Citizens And Farmers Bank, and 0 complaints against First Community Bank. 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.
