First Community Bank vs Citizens And Farmers Bank
Comparing a Bank in Bluefield, VA with a Bank in West Point, VA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| First Community Bank ↗ Bank · Bluefield, VA · Est. 1920 | Citizens And Farmers Bank ↗ Bank · West Point, VA · Est. 1927 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Bluefield, VA | West Point, VA |
| Total assets | $3.6B | $2.8B |
| Capital ratio | 13.7% | 11.3% |
| Return on assets | 1.5% | 1.1% |
| Deposits | $3.1B | $2.4B |
| Branches | 68 | 32 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 56 | #1 of 56 |
| Established | 1920 | 1927 |
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
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
Are both institutions federally insured?
Yes. First Community Bank is FDIC-insured and Citizens And Farmers 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, First Community Bank or Citizens And Farmers Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — First Community 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 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 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of First Community Bank vs Citizens And Farmers Bank?
First Community Bank has a capital ratio of 13.7%, placing it in the top 10% of $1B–10B peers. Citizens And Farmers Bank's ratio is 11.3%, placing it in the top 32% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does First Community Bank have compared to Citizens And Farmers Bank?
The CFPB database shows 0 complaints against First Community Bank, and 0 complaints against Citizens And Farmers 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 First Community 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.
