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Citizens And Farmers Bank
West Point, VA · FDIC Certificate #10363 · Chartered 02/0
Total assets
$2.79B
Total deposits
$2.38B
Total equity
$326.06M
Net loans
$2.12B
Branches (offices)
32
Net income (YTD)
$17.59M
Rank: #461 of 4,213 U.S. banks by assets · #11 of 56 in Virginia. Assets changed 4.7% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.27% |
| Return on equity | 11.04% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 11.70% |
| Tier 1 leverage ratio | 11.20% |
| Uninsured deposits (share of deposits) | 30.5% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.57% |
| Loans to deposits | 89.0% |
| Real estate loans (share of loans) | 74.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.59B | 74.9% | |
| Commercial & industrial | $67.67M | 3.2% | |
| Consumer / individual | $471.44M | 22.2% | |
| Construction & development | $199.16M | 9.4% | |
| Agricultural | $23.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.32B | $2.03B | $13.74M | $219.34M |
| Jun 2023 | $2.40B | $2.01B | $14.03M | $226.84M |
| Jun 2024 | $2.47B | $2.12B | $9.81M | $247.93M |
| Jun 2025 | $2.66B | $2.26B | $14.62M | $296.81M |
| Jun 2026 | $2.79B | $2.38B | $17.59M | $326.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $2.38B | 32 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.38B.
Similar-sized banks
Orange Bank & Trust Company ($2.79B) · Ion Bank ($2.78B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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