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Citizens and Farmers Bank

$1B-$10B Specialty: Commercial VA FDIC cert 10363

West Point, VA

32 branches across VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 23 in VA.
  • Deposits +5.3% year over year ($2.4B on the books).
  • Delinquency rate 0.10%.
  • Return on assets 1.27%.
  • Efficiency ratio 64.72% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.03% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 23 in VA
View $1B-$10B leaderboard (VA) →

Citizens and Farmers Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 35.3% in tier
  • + Net Interest Margin 0.68% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.5% in tier
  • - Credit Risk Growth: Bottom 20.7% in tier
  • - ROA 0.12% below tier average
  • - Efficiency Ratio 4.99% above tier average
Get updates when Citizens and Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $2.8B
+4.7% YoY -0.1% QoQ
-$5.3M $2.8B
-0.6% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $2.1B
+6.2% YoY +1.4% QoQ
+$156.4M $2.0B
-0.3% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $2.4B
+5.3% YoY -1.2% QoQ
+$62.0M $2.3B
-0.5% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.27%
+12.7% YoY +11.2% QoQ
-0.12% 1.39%
+17.0% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.55%
+4.0% YoY +2.2% QoQ
+0.68% 3.87%
+6.2% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Top 11.5% in tier
Efficiency Ratio ? 64.72%
-2.1% YoY -0.2% QoQ
+4.99% 59.73%
-12.6% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 0.10%
+3.4% YoY -5.2% QoQ
-0.77% 0.87%
+11.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
Top 11.3% in tier
Loan-to-Deposit Ratio ? 89.03%
+0.8% YoY +2.6% QoQ
+3.99% 85.04%
-0.1% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 24.22%
-2.3% YoY +0.8% QoQ
+2.95% 21.27%
-1.5% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.07%
-38.7% YoY -3.8% QoQ
-0.60% 0.67%
+11.7% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
Top 11.8% in tier
Tier 1 Capital Ratio ? 13.54%
-0.3% YoY +0.8% QoQ
-1.30% 14.84%
-0.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.62%
+6.4% YoY +105.5% QoQ
+0.09% 0.53%
+2.5% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 12.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Noninterest-Bearing 24.2%
-0.6pp YoY
+0.2pp QoQ
 +2.8pp 21.4% 26.2% 22.2% 68%
Brokered Deposits 0.8%
-0.3pp YoY
0.0pp QoQ
 -8.7pp 9.5% 8.5% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 3.2%
+0.7pp YoY
+0.4pp QoQ
 -10.8pp 14.0% 11.0% 12.5% 10%
CRE 48.7%
+0.7pp YoY
+0.3pp QoQ
 -1.3pp 50.0% 46.9% 41.4% 46%
1-4 Family 26.2%
+0.2pp YoY
-0.3pp QoQ
 -0.3pp 26.4% 32.6% 31.3% 58%
Consumer 22.2%
-1.4pp YoY
-0.4pp QoQ
 +17.5pp 4.7% 8.0% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 13.5%
0.0pp YoY
+0.1pp QoQ
 -2.1pp 15.6% 17.2% 19.7% 50%
Leverage Ratio 11.2%
-0.1pp YoY
+0.1pp QoQ
 -0.1pp 11.3% 12.2% 12.6% 64%
Total Capital Ratio 14.8%
0.0pp YoY
+0.1pp QoQ
 -1.9pp 16.7% 18.3% 20.8% 53%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 582
+22 (+3.9%) YoY
+5 (+0.9%) QoQ
 +268 313 1,956 482 88%
Assets per Employee ($) $4.8M
+0.7% YoY
-1.0% QoQ
 -$5.7M $10.5M $9.9M $8.8M 2%
Branch Count 32
+1 (+3.2%) YoY
+1 (+3.2%) QoQ
 +12 20 28 18 83%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 32%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 0.7% 1.0% 9%
Allowance Coverage 19.50x
-8.7% YoY
+4.1% QoQ
 +0.79x 18.71x 9.47x 20.23x 94%
Net Charge-off Rate (YTD) 0.6%
0.0pp YoY
-0.1pp QoQ
 +0.3pp 0.3% 0.2% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 11.0%
+0.3pp YoY
+1.0pp QoQ
 -1.6pp 12.6% 12.0% 11.6% 42%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.7% 1.7% 27%
Net Income ($, YTD) $17.6M
+20.3% YoY
— QoQ
 -$1.7M $19.2M $137.1M $40.4M 66%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#79 of 221 • Top 35.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#18 of 492 • Bottom 3.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.10%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#84 of 402 • Bottom 20.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

101
Delinquency Rate
credit_quality
Value: 0.10%
Peer Median: 0.87%
#101 of 882 Top 11.3% in $1B-$10B
103
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.87%
#103 of 885 Top 11.5% in $1B-$10B
105
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#105 of 885 Top 11.8% in $1B-$10B
113
Non-Interest Income / Assets
revenue_mix
Value: 0.62%
Peer Median: 0.53%
#113 of 885 Top 12.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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