FDIC certificate 10363
Citizens and Farmers Bank
West Point, Virginia · 415 14th Street 23181
Hunter Score
This bank ranks above the middle of its size group.
Up 3 points from last quarter.
Compared with 619 banks with $1 billion to $3 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Citizens and Farmers Bank has a Hunter Score of 62 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks above the middle of its size group. The comparison is with banks with $1 billion to $3 billion in assets.
The FDIC reported net interest margin of 4.55% (field NIMY). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 88 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 64.72% (field EEFFR). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 37 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Virginia with $1 billion to $3 billion in assets, ordered by Hunter Score.
- Chain Bridge Bank, National Association79out of 100
- Benchmark Community Bank76out of 100
- First National Bank76out of 100
- SKYLINE NATIONAL BANK74out of 100
- Chesapeake Bank71out of 100
Top Hunter Scores in Virginia · Top scores with $1 billion to $3 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
11.04%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 45 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.27%
Profit for each dollar of assets. Higher is stronger.
Peer rank 55 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.55%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 88 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
64.72%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 37 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.09%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 86 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202662 out of 100
- Q1 2026, ending March 31, 202659 out of 100
- Q4 2025, ending December 31, 202562 out of 100
- Q3 2025, ending September 30, 202563 out of 100
- Q2 2025, ending June 30, 202565 out of 100
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About this bank
- Total assets
- $2.8 billion
- Deposits
- $2.4 billion
- Equity
- $325.5 million
- Tangible equity
- $300.3 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 32
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- No
- Net income
- $17.6 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: C&F Financial Corp, Toano, VA. Federal Reserve RSSD 2183493.
Stock symbol CFFI on Nasdaq. We matched the holding company's name to one SEC filing. Checked 2026-10-24. We do not show stock prices. Check the price on Yahoo Finance, then type it into the calculator below.
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Price-to-tangible-book calculator
This calculator estimates a fair multiple of tangible book value from the bank's return on equity. It is separate from the Hunter Score. It is not a price target.
Where it is
415 14th Street, West Point, VA 23181
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.