Citizens And Farmers Bank vs Lee Bank And Trust Company
Comparing a Bank in West Point, VA with a Bank in Pennington Gap, 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 | Lee Bank And Trust Company ↗ Bank · Pennington Gap, VA · Est. 1932 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | West Point, VA | Pennington Gap, VA |
| Total assets | $2.8B | $259.9M |
| Capital ratio | 11.3% | 12.6% |
| Return on assets | 1.1% | 1.1% |
| Deposits | $2.4B | $221.4M |
| Branches | 32 | 3 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 56 | #4 of 56 |
| Established | 1927 | 1932 |
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
Lee Bank And Trust Company
- Assets: $259.9M
- Deposits: $221.4M
- Capital ratio: 12.6%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #4 of 56
Are both institutions federally insured?
Yes. Citizens And Farmers Bank is FDIC-insured and Lee Bank And 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 Lee Bank And 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 Lee Bank And Trust Company safe?
Yes — Lee Bank And 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 Lee Bank And Trust Company?
Citizens And Farmers Bank has a capital ratio of 11.3%, placing it in the top 32% of $1B–10B peers. Lee Bank And Trust Company's ratio is 12.6%, placing it in the top 22% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Citizens And Farmers Bank have compared to Lee Bank And Trust Company?
The CFPB database shows 0 complaints against Citizens And Farmers Bank, and 0 complaints against Lee Bank And 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.
