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Citizens and Farmers Bank


Citizens and Farmers Bank is an FDIC insured institution headquartered at 415 14th Street, West Point, VA 23181.
It was founded in 1927 and has approximately $3 billion in assets. Customers can open an account at one of its 27 branches.

Deposit Rates - June 01, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.10% $100,000 Compare
Special: 11 Mo CD
0.55% $1,000 Compare
12 Mo CD
0.25% $10,000 Compare
12 Mo CD
0.25% $100,000 Compare
18 Mo CD
0.30% $10,000 Compare
18 Mo CD
0.30% $100,000 Compare
24 Mo CD
0.40% $10,000 Compare
24 Mo CD
0.40% $100,000 Compare
30 Mo CD
0.40% $10,000 Compare
30 Mo CD
0.40% $100,000 Compare
36 Mo CD
0.45% $10,000 Compare
36 Mo CD
0.45% $100,000 Compare
48 Mo CD
0.45% $10,000 Compare
48 Mo CD
0.45% $100,000 Compare
60 Mo CD
0.55% $10,000 Compare
60 Mo CD
0.55% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.20% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 13 Mo FIRA
0.65% $1,000
INT CHECKING RATES APY MIN
Int Ckg
0.01% $1
Int Ckg
0.01% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10363
Date Established 1927
Assets $ 2.74 billion
Loans $ 2.05 billion
Deposits $ 2.35 billion
Capital $ 314.94 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 79.92 million
Interest-bearing balances $ 59.82 million
Total securities $ 464.20 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.05 billion
Loan loss allowance $ 39.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.32 million
Goodwill and other intangibles $ 26.10 million
All other assets $ 68.09 million
     Total Assets $ 2.43 billion

LIABILITIES
Total deposits $ 2.35 billion
      Interest-bearing deposits $ 1,802.11 million
      Deposits held in domestic offices $ 2.35 billion
      % insured (estimated)" 69.95%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.25 million
Subordinated debt N.A.
All other liabilities $ 24.93 millionn
      Total Liabilities $ 2.43 billion
      Shareholders’ Equity $ 314.94 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 151.92 million
Total Interest Expense $ 41.72 million
Net interest income $ 110.20 million
Provision for loan and lease losses $ 11.55 million
Total non interest income $ 30.83 million
Total non interest expense $ 92.08 million
Pre-tax Net Operating Income $ 17.85 million

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