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

Citizens and Farmers Bank is headquartered in West Point and is the 18th largest bank in the state of Virginia. It is also the 535th largest bank in the nation. It was established in 1927 and as of June of 2017, it had grown to 649 employees at 26 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 - YTD1.03%
Return on Equity - YTD9.13%
Annual Interest Income$44.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.46B$1.41B
LoansQ2 2017vs Q2 2016$1.00B$982.9MM
DepositsQ2 2017vs Q2 2016$1.13B$1.08B
Equity CapitalQ2 2017vs Q2 2016$166.7MM$159.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$36.5MM$36.7MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$9.3MM$6.1MM
Real Estate OwnedQ2 2017vs Q2 2016$284.00K$579.00K

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