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 Citizens and Farmers Bank
Citizens and Farmers Bank
| RSSD ID 928421 | CERTIFICATE 10363 | ABA NUMBER 51404901 |
| 415 14th Street |
Quarter Ended : |
2025-09-30 |
| West Point, Virginia, 23181 |
Updated : |
2025-10-29 |
| www.cffc.com |
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| Institution Profile |
| Year Opened : |
1927 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
31 |
Number of Employees : |
559 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,686,839 |
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Total Interest Income | 112,491 |
| Total Liabilities | 2,378,907 |
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Total NonInterest Income | 23,100 |
| Total Bank Equity Capital | 307,328 |
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Total Interest Expense | 31,022 |
| Total Deposits | 2,306,041 |
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Total NonInterest Expense | 68,535 |
| Net Loans & Leases | 1,969,732 |
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Net Income | 22,776 |
| Loan Loss Allowance | 39,446 |
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Net Charge Offs | 8,791 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 326,424 |
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Total loans | 2,039,311 |
| Total assets for the leverage ratio | 2,673,066 |
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Loans secured by real estate: | 1,480,883 |
| Tier 1 Leverage Ratio | 11.19 |
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Commercial and industrial loans | 46,678 |
| Tier 1 Capital Ratio | 13.74 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15 |
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Loans to individuals - Other | 511,750 |
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:· Citizens and Farmers Bank
