West Point, VA · Cert 10363 · C&F Financial Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
Market Position · Richmond, VA · 2026 SOD (annual) · 2.5% share · #6 of 30 inst. · $1.5B of $60.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 1.16% | 1.15% | 1.14% | 1.27% | +14 bps | |
| Return on Equity | 10.72% | 10.79% | 10.60% | 10.01% | 11.04% | +32 bps | |
| Net Interest Margin | 4.06% | 4.06% | 4.04% | 4.19% | 4.27% | +22 bps | |
| Efficiency Ratio | 66.11% | 65.36% | 65.12% | 64.86% | 64.72% | -140 bps | |
| Non-Interest Burden | 2.27% | 2.25% | 2.23% | 2.28% | 2.31% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.88% | 6.26% | 7.93% | 7.70% | 4.65% | -323 bps | |
| Loan Growth (YoY) | 7.30% | 4.43% | 7.89% | 8.14% | 6.05% | -125 bps | |
| Deposit Growth (YoY) | 6.78% | 7.45% | 7.94% | 8.32% | 5.29% | -150 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.13% | 0.10% | 0.10% | 0.09% | 0 bps | |
| Net Charge-Offs / Loans | 0.56% | 0.57% | 0.58% | 0.65% | 0.57% | +1 bps | |
| Allowance / Loans | 1.94% | 1.93% | 1.89% | 1.86% | 1.84% | -11 bps | |
| Allowance Coverage of NPLs | 21.3x | 15.4x | 18.2x | 18.7x | 19.5x | -1.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.27% | 11.19% | 11.09% | 11.10% | 11.20% | -6 bps | |
| Total Risk-Based Capital | 14.84% | 15.00% | 14.84% | 14.69% | 14.79% | -4 bps | |
| Equity / Assets | 11.12% | 11.44% | 11.45% | 11.33% | 11.67% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.04% | 88.47% | 88.92% | 88.39% | 90.69% | +65 bps | |
| Liquid Assets / Assets | 2.00% | 2.72% | 2.18% | 1.93% | 1.21% | -79 bps | |
| CRE / Total Capital | n/a | 325% | 328% | 331% | n/a | n/a | |