BlastPoint's Banking Scorecard
Citizens and Farmers Bank
West Point, VA
32 branches across VA
Citizens and Farmers Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41.4% in tier
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency Ratio 3.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+7.7% YoY
+1.7% QoQ
|
-$25.1M |
$2.8B
-0.1% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$2.1B
+8.3% YoY
+1.8% QoQ
|
+$126.1M |
$2.0B
+0.6% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$2.4B
+8.3% YoY
+2.4% QoQ
|
+$67.1M |
$2.3B
-0.3% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
1.14%
+20.8% YoY
-1.1% QoQ
|
-0.22% |
1.37%
+19.6% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
4.45%
+3.6% YoY
-0.1% QoQ
|
+0.63% |
3.82%
+6.9% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
Top 13.0% in tier |
| Efficiency Ratio ? |
64.86%
-5.0% YoY
-0.4% QoQ
|
+3.80% |
61.06%
-4.6% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.10%
-14.1% YoY
-4.6% QoQ
|
-0.79% |
0.89%
+14.1% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
Top 11.7% in tier |
| Loan-to-Deposit Ratio ? |
86.74%
+0.0% YoY
-0.6% QoQ
|
+2.54% |
84.20%
+0.3% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
24.04%
-9.1% YoY
+2.4% QoQ
|
+2.75% |
21.29%
-2.5% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.08%
-45.3% YoY
-40.4% QoQ
|
-0.60% |
0.67%
+15.6% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
Top 10.9% in tier |
| Tier 1 Capital Ratio ? |
13.43%
+7.9% YoY
-1.1% QoQ
|
-1.73% |
15.16%
+2.0% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.30%
+10.3% YoY
-73.3% QoQ
|
+0.04% |
0.26%
+1.6% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
Top 13.3% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.