$2.79B
+7.7%y/y
Percentile by value95th percentileby value
FDIC
ASSETCF
Citizens and Farmers Bank
West Point, VirginiaFDIC Cert #10363
STATEEstablished 192731 branches
Holding company: C&F FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCitizens and Farmers Bank reported $2.79B in total assets. Deposits grew 8.32% over the prior year.
Return on assets was 1.14%, compared with the official FFIEC UBPR peer median of 1.24%. The leverage ratio was 11.10%.
- Why is Total Assets above its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.41B
+8.3%y/y
Percentile by value96th percentileby value
FDIC
DEP$2.09B
+8.3%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET1.14%
+20 bpsy/y
Peer standing42nd percentile
FDIC
NETINC + ROA64.86%
−343 bpsy/y
Peer standing33rd percentile
FDIC
NONIX + NIM + NONII + EEFFR11.10%
+82 bpsy/y
Peer standing65th percentile
FDIC
RBC1AAJPercentiles compare this bank with 525 ffiec ubpr peer group 4 — insured commercial banks having assets between $1 billion and $3 billion.
Side-by-side comparison
Citizens and Farmers Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.14%
Registry median
1.24%
This bank
10.01%
FFIEC trimmed average
12.61%
This bank
4.45%
Registry median
3.74%
This bank
64.86%
Registry median
59.83%
This bank
+8.32%
FFIEC trimmed average
+6.33%
This bank
+8.33%
FFIEC trimmed average
+7.26%
This bank
0.10%
FFIEC trimmed average
0.69%
This bank
11.10%
FFIEC trimmed average
10.68%
This bank
2.26%
Registry median
2.62%
This bank
266%
Registry median
233%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.14%
Registry median
1.12%
This bank
10.01%
FFIEC trimmed average
10.08%
This bank
4.45%
Registry median
3.73%
This bank
64.86%
Registry median
64.69%
This bank
+8.32%
FFIEC trimmed average
+5.44%
This bank
+8.33%
FFIEC trimmed average
+5.83%
This bank
0.10%
FFIEC trimmed average
0.67%
This bank
11.10%
FFIEC trimmed average
11.53%
This bank
2.26%
Registry median
2.43%
This bank
266%
Registry median
221%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $2.14B | $1.85B |
| Q3 2021 | $2.18B | $1.87B |
| Q4 2021 | $2.24B | $1.94B |
| Q1 2022 | $2.28B | $1.99B |
| Q2 2022 | $2.32B | $2.03B |
| Q3 2022 | $2.32B | $2.04B |
| Q4 2022 | $2.31B | $2.03B |
| Q1 2023 | $2.42B | $2.02B |
| Q2 2023 | $2.4B | $2.01B |
| Q3 2023 | $2.4B | $2.04B |
| Q4 2023 | $2.42B | $2.08B |
| Q1 2024 | $2.45B | $2.1B |
| Q2 2024 | $2.47B | $2.12B |
| Q3 2024 | $2.53B | $2.15B |
| Q4 2024 | $2.54B | $2.18B |
| Q1 2025 | $2.59B | $2.23B |
| Q2 2025 | $2.66B | $2.26B |
| Q3 2025 | $2.69B | $2.31B |
| Q4 2025 | $2.74B | $2.35B |
| Q1 2026 | $2.79B | $2.41B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $124M |
| Investor CRE | $520M |
| Multifamily | $138M |
| Construction | $232M |
| 1–4 family | $554M |
| C&I | $58.4M |
| Agriculture | $515K |
| Other | $504M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.14%42nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.65%Median 1.24%90th 2.04%Observations 525
ROE
FDIC
NETINC + ROE10.01%30th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.55%Median 12.35%90th 20.15%Observations 525
NIM
FDIC
NIM + NIMY4.45%85th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.96%Median 3.74%90th 4.63%Observations 525
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.86%33rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.09%Median 59.83%90th 76.32%Observations 525
Deposits YoY
FDIC
DEP+8.32%66th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.14%Median +5.35%90th +19.38%Observations 524
Loans YoY
FDIC
LNLSNET+8.33%61st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.07%Median +6.46%90th +18.14%Observations 522
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%15th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.95%Observations 523
Leverage
FDIC
RBC1AAJ11.10%64th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.84%Median 10.43%90th 13.44%Observations 525
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.26%71st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.74%Median 2.62%90th 3.59%Observations 524
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC266%66th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 233%90th 354%Observations 398
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.14%52nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.48%Median 1.12%90th 1.62%Observations 53
ROE
FDIC
NETINC + ROE10.01%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.62%Median 10.01%90th 14.77%Observations 53
NIM
FDIC
NIM + NIMY4.45%87th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.73%90th 4.51%Observations 53
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.86%46th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.67%Median 64.69%90th 84.47%Observations 53
Deposits YoY
FDIC
DEP+8.32%75th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.15%Median +4.56%90th +15.01%Observations 53
Loans YoY
FDIC
LNLSNET+8.33%64th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.09%Median +5.24%90th +15.97%Observations 53
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.10%20th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.48%90th 1.73%Observations 53
Leverage
FDIC
RBC1AAJ11.10%53rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.20%Median 11.01%90th 14.66%Observations 53
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.26%62nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.43%90th 3.44%Observations 53
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC266%68th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 54%Median 221%90th 339%Observations 42
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 31 branches
- Headquarters
- West Point, VA
FDIC
OFFDOMOpen the Virginia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data