Citizens and Farmers Bank

Overview / Commentary
Eighth And Main Streets
West Point, VA 23181

Citizens and Farmers Bank is headquartered in West Point and is the 15th largest bank in the state of Virginia. It is also the 531st largest bank in the nation. It was established in 1927 and as of December of 2019, it had grown to 643 employees at 25 locations. Citizens and Farmers Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #10363
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD11.83%
Annual Interest Income$95.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$1.63B$1.52B
LoansQ4 2019vs Q4 2018$1.17B$1.07B
DepositsQ4 2019vs Q4 2018$1.29B$1.18B
Equity CapitalQ4 2019vs Q4 2018$175.3MM$174.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$32.9MM$34.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$2.6MM$2.5MM
Real Estate OwnedQ4 2019vs Q4 2018$1.1MM$246.00K

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