Citizens and Farmers Bank is a state-chartered bank headquartered in West Point, Virginia, in business for about 99 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.4B in deposits, with 32 offices.
Citizens and Farmers Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 22nd. Problem-loan coverage contributes the most (99/100, 0.6%); funding & liquidity contributes the least (54/100, 89% loans-to-deposits, 31% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.25% |
| Q3 2024 | 10.13% |
| Q4 2024 | 10.14% |
| Q1 2025 | 10.28% |
| Q2 2025 | 11.27% |
| Q3 2025 | 11.19% |
| Q4 2025 | 11.09% |
| Q1 2026 | 11.10% |
| Q2 2026 | 11.20% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.94% |
| Q2 2025 | 1.12% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $2.8B | 11.20% | 0.09% | 1.27% | 89.0% |
| Q1 2026 | 74 | $2.8B | 11.10% | 0.10% | 1.14% | 86.7% |
| Q4 2025 | 74 | $2.7B | 11.09% | 0.10% | 1.15% | 87.2% |
| Q3 2025 | 74 | $2.7B | 11.19% | 0.13% | 1.16% | 86.8% |
| Q2 2025 | 74 | $2.7B | 11.27% | 0.09% | 1.12% | 88.3% |
| Q1 2025 | 70 | $2.6B | 10.28% | 0.12% | 0.94% | 86.7% |
| Q4 2024 | 69 | $2.5B | 10.14% | 0.07% | 0.91% | 87.1% |
| Q3 2024 | 69 | $2.5B | 10.13% | 0.10% | 0.86% | 89.1% |
| Q2 2024 | 69 | $2.5B | 10.25% | 0.11% | 0.80% | 87.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| John Marshall BankBank Reston, VA | 76 out of 100, Strong | $2.4B | 12.9% | 0.01% | vs |
| FVCbankBank Fairfax, VA | 73 out of 100, Strong | $2.4B | 12.9% | 0.59% | vs |
| Blue Ridge Bank, National AssociationBank Martinsville, VA | 49 out of 100, Below average | $2.3B | 11.2% | 1.68% | vs |
| MainStreet BankBank Fairfax, VA | 47 out of 100, Below average | $2.2B | 12.8% | 3.15% | vs |
| Chain Bridge Bank, National AssociationBank Mclean, VA | 74 out of 100, Strong | $2.2B | 9.1% | 0.00% | vs |
| First BankBank Strasburg, VA | 67 out of 100, Moderate | $2.1B | 9.4% | 0.32% | vs |
Deposit insurance
Is my money safe at Citizens and Farmers Bank?
Yes. Citizens and Farmers Bank is an FDIC-insured institution (FDIC certificate #10363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.5% of deposits ($726.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.79% (benchmark: 10%).
32 locations
Branches
Citizens and Farmers Bank lists 32 offices in 24 cities. Most locations:
- Richmond, VA (4)
- Midlothian, VA (3)
- Charlottesville, VA (2)
- Fredericksburg, VA (2)
- James City County, VA (2)
- Cartersville, VA (1)
- Chester, VA (1)
- Colonial Heights, VA (1)
- Cumberland, VA (1)
- King George, VA (1)
- Mechanicsville, VA (1)
- Montross, VA (1)
HMDA 2025
Mortgage lending
In 2025, Citizens and Farmers Bank reported 838 home-loan applications under HMDA (LEI 549300QBMI3P6JWI9Q86): 559 originated ($89,395,000 total), 217 denied, and 47 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Citizens and Farmers Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10363
- RSSD ID
- 928421
- Primary regulator
- FDIC
- Holding company
- C&f Financial Corp
- Established
- February 1, 1927
- Headquarters
- 415 14th Street, West Point, VA 23181
- Website
- www.cffc.com
- Employees
- 582
Quick answers
Citizens and Farmers Bank: common questions
Is Citizens and Farmers Bank FDIC insured?
Yes. Citizens and Farmers Bank is an FDIC-insured institution (FDIC certificate #10363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens and Farmers Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens and Farmers Bank ever failed?
There is no failure record for FDIC certificate #10363 in the FDIC failed bank list.
How many branches does Citizens and Farmers Bank have?
32 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West Point
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Advantage Federal Credit UnionCredit union Newport News, VA | 90 out of 100, Very strong | $1.1B | 16.7% | 0.45% | vs |
| Chesapeake BankBank Kilmarnock, VA | 81 out of 100, Strong | $1.7B | 11.2% | 0.24% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| TowneBankBank Portsmouth, VA | 74 out of 100, Strong | $22.6B | 10.0% | 0.22% | vs |
| Atlantic Union BankBank Richmond City, VA | 73 out of 100, Strong | $38.0B | 11.4% | 0.50% | vs |
| Bayport Federal Credit UnionCredit union Newport News, VA | 69 out of 100, Moderate | $2.8B | 11.3% | 0.71% | vs |