CITIZENS AND FARMERS BANK

WEST POINT, VA | Large | Est. Feb. 1, 1927, midnight | FDIC #10363 | RSSD #928421 | FDIC
Latest Report: 2025-12-31

CITIZENS AND FARMERS BANK is aln large FDIC-insured commercial bank headquartered in WEST POINT, VA, established in Feb. 1, 1927, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.4B. Profitability stands at 1.14% ROA and 9.97% ROE, with a net interest margin of 4.60%. The bank's CET1 capital ratio is 13.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.98%. FDIC Certificate #10363.

Assets

$2.7B

Deposits

$2.4B

Loans

$2.1B

Equity

$314M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 9.97%
Net Interest Margin (NIM) 4.60%
Yield on Assets 6.31%
Cost of Funds 2.32%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.58%
Texas Ratio 0.98%
NPA Ratio 0.13%
ACL / Loans 1.89%

Capital & Liquidity

CET1 Ratio 13.58%
Tier 1 Capital 13.58%
Total Capital Ratio 14.84%
Leverage Ratio 11.09%
Loan-to-Deposit 88.92%

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