Citizens and Farmers Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Citizens and Farmers Bank, based in West Point, Virginia, reported $2.8 billion in assets at June 30, 2026, up 4.7% from a year earlier. It carries problem assets equal to 0.6% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.57 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $8.3 million on paper in the quarter, out of $12 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.4 million equal 3% of Tier 1 capital, down from 9% a year earlier.
As of June 30, 2026, Citizens and Farmers Bank reported a CET1 capital ratio of 13.54%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.60%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 415 14th Street, West Point, VA 23181
- County
- King William
- Metro Area
- Richmond, VA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 1, 1927
- Offices
- 32 domestic
- Employees (FTE)
- 582
- Domestic deposits
- $2.38B
- Allowance for credit losses
- $39.7M
- Net charge-offs (YTD)
- $6.1M
- Average total assets
- $2.79B
- Average total loans
- $2.14B
- Average interest-bearing deposits
- $1.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10363
- Fed RSSD
- 928421
- SEC CIK
- 913341 → filed by C&F FINANCIAL CORPORATION
- Website
- www.cffc.com →
- Parent Holding Company
- C&F FINANCIAL CORPORATION (RSSD 2183493) · CFFI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Crone S Dustin | CEO | PRESIDENT & CEO C&F FINANCE |
| Larry G Dillon | CHR | EXECUTIVE CHAIRMAN |
| Jason E Long | CFO | EVP, CHIEF FINANCIAL OFFICER |
| John A Seaman Iii | CCO | EVP, CHIEF CREDIT OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens and Farmers Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Citizens and Farmers Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Citizens and Farmers Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.54% | 1.39% | 0.10% | 0.60% | 4.57% |
| Q1 2026 | 13.43% | 1.14% | 0.10% | 0.64% | 4.39% |
| Q4 2025 | 13.58% | 1.13% | 0.11% | 1.07% | 4.40% |
| Q3 2025 | 13.74% | 1.21% | 0.33% | 1.21% | 4.45% |
| Q2 2025 | 13.58% | 1.30% | 0.29% | 1.02% | 4.38% |
| Q1 2025 | 12.44% | 0.94% | 0.21% | 1.28% | 4.20% |
| Q4 2024 | 12.27% | 1.05% | 0.15% | 0.99% | 4.26% |
| Q3 2024 | 12.09% | 0.96% | 0.18% | 0.82% | 4.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 32 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens and Farmers Bank (main office) | West Point , VA | 23181 | $247.4M |
| Powhatan Branch | Powhatan , VA | 23139 | $205.9M |
| Providence Forge Branch | Providence Forge , VA | 23140 | $205.0M |
| Quinton Branch | Quinton , VA | 23141 | $150.5M |
| Norge Branch | James City County , VA | 23127 | $126.1M |
| Middlesex Branch | Saluda , VA | 23149 | $104.6M |
| Varina Branch | Varina , VA | 23231 | $97.1M |
| Alverser Branch | Midlothian , VA | 23113 | $94.2M |
| Midlothian Branch | Midlothian , VA | 23113 | $78.0M |
| Montross Branch | Montross , VA | 22520 | $75.0M |
| Mechanicsville Branch | Mechanicsville , VA | 23111 | $71.9M |
| Jamestown Road Branch | Williamsburg , VA | 23185 | $71.5M |
| Sandston Branch | Sandston , VA | 23150 | $68.0M |
| West Broad Branch | Richmond , VA | 23294 | $67.9M |
| Downtown Richmond Financial Center Branch | Richmond , VA | 23219 | $65.1M |
| Brandermill Branch | Midlothian , VA | 23112 | $60.9M |
| City Center Branch | Newport News , VA | 23606 | $56.2M |
| King George County Branch | King George , VA | 22485 | $54.3M |
| Cumberland Branch | Cumberland , VA | 23040 | $53.6M |
| Patterson Avenue Branch | Richmond , VA | 23238 | $50.2M |
| Longhill Branch | James City County , VA | 23081 | $47.7M |
| Warsaw Branch | Warsaw , VA | 22572 | $42.4M |
| Charlottesville Branch | Charlottesville , VA | 22902 | $41.3M |
| Chester Branch | Chester , VA | 23831 | $40.5M |
| Stafford Branch | Fredericksburg , VA | 22405 | $36.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2020 | Structure Change | Acquired Peoples Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 22, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 22, 2014 | Structure Change | Acquired Central Virginia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 21, 1979 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 1979 | Structure Change | Acquired The Colonial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Citizens and Farmers Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in VA, rank 17 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 975 applications, 559 loans originated, $89.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens and Farmers Bank
What are Citizens and Farmers Bank's total assets?
As of the Q2 2026 filing, Citizens and Farmers Bank reported total assets of $2.79 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens and Farmers Bank headquartered?
Citizens and Farmers Bank is headquartered in West Point, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Citizens and Farmers Bank founded?
Citizens and Farmers Bank was established in 1927, per the FDIC institution directory.
Is Citizens and Farmers Bank FDIC-insured?
Yes. Citizens and Farmers Bank is an FDIC-insured commercial bank (FDIC Certificate #10363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens and Farmers Bank?
Citizens and Farmers Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens and Farmers Bank's CET1 capital ratio?
Citizens and Farmers Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens and Farmers Bank operate?
Citizens and Farmers Bank operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens and Farmers Bank's Texas Ratio?
Citizens and Farmers Bank's Texas Ratio is 0.60% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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