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Citizens and Farmers Bank
West Point, VA·FDIC Cert #10363·Charter: STATE·Est. 19270201.0·HC: C&F FINANCIAL CORP
Total Assets
$2.7B
Q4 2025
Return on Assets
1.15%
-0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
65.12%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.15%-0.00
ROE
10.60%-0.19
Efficiency
65.12%-0.24
Equity/Assets
0.00%+0.00
NPL Ratio
0.11%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.24%+0.48
Charge-offs
0.60%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.9 | 0.9 | 0.9 | 1.1 | 1.2 | 1.2 |
| ROE | 6.7 | 8.0 | 8.6 | 9.1 | 9.3 | 10.7 | 10.8 | 10.6 |
| Efficiency | 71.2 | 70.2 | 69.1 | 68.1 | 68.3 | 66.1 | 65.4 | 65.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Charge-offs | 0.7 | 0.6 | 0.6 | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 |
| Loan/Deposit | 85.7 | 87.7 | 89.1 | 87.1 | 86.7 | 88.3 | 86.8 | 87.2 |
Balance Sheet
Total Assets$2.7B
Total Deposits$2.4B
Total Loans$2.1B
Total Equity$314.3M
Profitability
ROA1.15%
ROE10.60%
Efficiency Ratio65.12%
Net Income$30.5M
Risk & Asset Quality
NPL Ratio0.11%
Charge-off Rate0.60%
Loan/Deposit87.24%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans