Citizens and Farmers Bank

Citizens and Farmers Bank of West Point, VA, chartered 1927: 32 offices, $2.79bn in assets, a 11.20% leverage ratio. Straight from the federal record.

Citizens and Farmers Bank is an FDIC-insured bank headquartered in West Point, VA, chartered in 1927. It is supervised by the FDIC and held by C & F Financial Corp. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Citizens and Farmers Bank has branches

32 full-service offices across 1 state:

• Virginia: 32 offices in 24 towns, holding $2.26bn at 30 June 2025

Citizens and Farmers Bank on its latest Call Report, 30 June 2026

• Total assets: $2.79bn
• Total deposits: $2.38bn
• Tier 1 leverage ratio: 11.20%
• Total risk-based capital ratio: 14.79%
• Noncurrent loans, as a share of loans: 0.09%
• Return on assets: 1.27%
• Net interest margin: 4.55%
• Staff: 582

Compare Citizens and Farmers Bank against every other bank with a branch in Virginia, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.