Citizens and Farmers Bank
West Point, VA
IDRSSD: 928421
Total Assets
$2.74B
Latest filing
Total Deposits
$2.35B
Latest filing
Net Interest Margin
4.51%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Citizens and Farmers Bank
415 14th Street
West Point, VA 23181
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/01/1927FDIC Certificate 6639
Branches (30)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Citizens and Farmers Bank (Main) | 415 14th Street | West Point, VA |
| PROVIDENCE FORGE BRANCH | Routes 60 And 155 | Providence Forge, VA |
| POWHATAN BRANCH | 2351 Anderson Hwy | Powhatan, VA |
| STAFFORD BRANCH | 175 Kings Hwy | Fredericksburg, VA |
| NORGE BRANCH | U.S. Route 60 And State Route 607 | James City County, VA |
| LONGHILL BRANCH | Longhill And Olde Towne Roads | James City County, VA |
| VARINA BRANCH | Route 5 And Strath Road | Varina, VA |
| WEST BROAD BRANCH | 8001 W Broad St | Richmond, VA |
Showing 7 of 30
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/01/1927 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 23181 |
| State and County Number | 51101 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Richmond, VA |
Operational Info
| Number of Employees | 559 |
| Domestic Offices | 31 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cffc.com |
| Data Updated | 01/30/2026 |
| CERT | 10363 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.74B |
| Total Deposits | $2.35B |
| Total Liabilities | $2.43B |
| Total Equity Capital | $314.94M |
| Net Income | $7.76M |
| Net Loans and Leases | $2.05B |
| Assets Per Employee ($Millions) | $4.83M |
| Bank Premises and Fixed Assets | $48.48M |
| Cash and Balances due from Depository Institutions | $79.92M |
| Deposits Held in Domestic Offices | $2.35B |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 9.97% |
| Net Interest Margin | 4.51% |
| Efficiency Ratio | 64.44% |
| Tier 1 Risk-Based Capital Ratio | 13.578% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.52% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.454% |
| Earning Assets to total Assets | 93.95% |
Income and Expense
| Total Interest Income | $39.43M |
| Total Noninterest Income | $7.73M |
| Total Interest Expense | $10.69M |
| Total Noninterest Expense | $23.55M |
| Net Interest Income | $28.73M |
| Pre-tax Net Operating Income | $9.37M |
| Provision for Credit Losses | $3.55M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.32M |
| Other borrowed funds | $47.84M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $26.79M |
| Total Liabilities and Capital | $2.74B |
Securities
| Securities | $464.20M |
| Available-for-sale debt securities | $458.11M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens and Farmers Bank?
$2.74B as of the latest filing.
How much are Citizens and Farmers Bank's total deposits?
$2.35B in total deposits.
Where is Citizens and Farmers Bank located?
West Point, VA.
What is the Net Interest Margin?
4.51%.
How many domestic offices does it operate?
31.
When was it established?
02/01/1927.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$2.05B (latest filing).
What is the total interest income (latest filing)?
$39.43M.