Citizens and Farmers Bank
West Point, VA · Cert 10363 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · C&F Financial Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
$2.8BAssets
$2.2BLoans
$2.4BDeposits
$325.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 32 of 258).
- Widest gap: net charge-offs / loans trails 95% of banks $1B-$10B in assets operating in a single state (rank 247 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.26%
Rank 120 of 258
Net Interest Margin
4.27%
Rank 32 of 258
Efficiency Ratio
64.78%
Rank 172 of 257
Equity / Assets
11.67%
Rank 68 of 258
Non-interest income vs. expense
Unfavorable gap of $64.6M · efficiency ratio beats 33% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.93% | 1.23% | 1.54% | Beats 53% | 120 / 258 | | |
| Return on Equity | 10.81% | 9.26% | 11.84% | 14.74% | Beats 43% | 148 / 258 | | |
| Net Interest Margin | 4.27% | 3.16% | 3.49% | 3.88% | Beats 88% | 32 / 258 | | |
| Efficiency Ratio | 64.78% | 51.71% | 60.30% | 69.65% | Beats 33% | 172 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.19% | 0.46% | 0.90% | Beats 88% | 32 / 258 | | |
| Net Charge-Offs / Loans | 0.40% | 0.01% | 0.02% | 0.07% | Beats 5% | 247 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.54% | 11.41% | 12.98% | 15.12% | Beats 58% | 108 / 258 | | |
| Total Risk-Based Capital Ratio | 14.79% | 12.10% | 13.91% | 16.08% | Beats 62% | 98 / 258 | | |
| Equity / Assets | 11.67% | 9.09% | 10.24% | 11.72% | Beats 74% | 68 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.69% | 73.24% | 86.34% | 95.95% | 62nd pctl | 98 / 258 | | |
| Loans / Assets | 77.45% | 63.01% | 72.27% | 78.40% | 69th pctl | 80 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |