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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 : |
2025-12-31 |
| West Point, Virginia, 23181 |
Updated : |
2026-01-30 |
| 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 : |
568 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 2,744,329 |
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Total Interest Income | 151,920 |
| Total Liabilities | 2,429,391 |
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Total NonInterest Income | 30,831 |
| Total Bank Equity Capital | 314,343 |
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Total Interest Expense | 41,716 |
| Total Deposits | 2,354,756 |
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Total NonInterest Expense | 92,083 |
| Net Loans & Leases | 2,015,906 |
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Net Income | 30,521 |
| Loan Loss Allowance | 39,677 |
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Net Charge Offs | 12,160 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 330,859 |
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Total loans | 2,065,956 |
| Total assets for the leverage ratio | 2,729,316 |
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Loans secured by real estate: | 1,506,068 |
| Tier 1 Leverage Ratio | 11.09 |
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Commercial and industrial loans | 48,975 |
| Tier 1 Capital Ratio | 13.58 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 14.84 |
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Loans to individuals - Other | 510,913 |
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:· Citizens and Farmers Bank
