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

Citizens and Farmers Bank is headquartered in West Point and is the 16th largest bank in the state of Virginia. It is also the 547th largest bank in the nation. It was established in 1927 and as of September of 2018, it had grown to 640 employees at 27 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 - YTD1.34%
Return on Equity - YTD12.13%
Annual Interest Income$68.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$1.49B$1.48B
LoansQ3 2018vs Q3 2017$1.05B$1.03B
DepositsQ3 2018vs Q3 2017$1.16B$1.14B
Equity CapitalQ3 2018vs Q3 2017$171.8MM$168.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$35.0MM$36.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$4.4MM$9.2MM
Real Estate OwnedQ3 2018vs Q3 2017$188.00K$168.00K
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Citizens and Farmers Bank CD Rates

2.45%$1k-38 Month CD Special
2.45%$1k-Business 38 Month CD Special
2.35%$1k-22 Month CD Special
2.35%$1k-Business 22 Month CD Special
2.25%$1k-16 Month CD Special
2.25%$1k-Business 16 Month CD Special

Citizens and Farmers Bank IRA Rates

2.45%$1k-38 Month IRA Special
2.35%$1k-22 Month IRA Special
2.25%$1k-16 Month IRA Special


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