Citizens&Farmers Bank (FDIC #10363): Bank Stress & Real-Estate Credit Exposure
Citizens&Farmers Bank (FDIC Cert #10363): bank stress 59/100, moderate, STABLE over 7 days; parent C&F FINANCIAL CORP (CFFI).
Citizens&Farmers Bank (#10363) lends in 23 counties across 1 state; Citizens&Farmers Bank (#10363) reaches 163 ZIP codes: Virginia 23 counties, 163 ZIPs.
Citizens&Farmers Bank (#10363) largest markets: Albemarle County, VA (24 branches, 24 ZIPs) (#10363), Henrico County, VA (68 branches, 17 ZIPs) (#10363), Richmond County, VA (17 branches, 17 ZIPs) (#10363), Chesterfield County, VA (64 branches, 16 ZIPs) (#10363), Goochland County, VA (15 branches, 15 ZIPs) (#10363), Middlesex County, VA (12 branches, 12 ZIPs) (#10363).
Citizens&Farmers Bank (#10363) reports $2.79 billion in total assets; Citizens&Farmers Bank (#10363) equity $325.5 million (11.7% of Citizens&Farmers Bank (#10363) assets); Citizens&Farmers Bank (#10363) domestic deposits $2.38 billion; Citizens&Farmers Bank (#10363) net income $17.6 million; Citizens&Farmers Bank (#10363) return on assets 1.27%; Citizens&Farmers Bank (#10363) return on equity 11.04%; Citizens&Farmers Bank (#10363) net interest income $59.2 million; Citizens&Farmers Bank (#10363) call report June 30, 2026.
Citizens&Farmers Bank (#10363) noncurrent real-estate loans: none reported; Citizens&Farmers Bank (#10363) net charge-offs on real estate 0.08%.
Citizens&Farmers Bank (#10363) net interest margin 4.55% against an eight-quarter Citizens&Farmers Bank (#10363) average of 4.40% (Citizens&Farmers Bank (#10363) compression -0.15 points); Citizens&Farmers Bank (#10363) rate-exposure score 40/100, Citizens&Farmers Bank (#10363) fixed-rate trap 40/100; Citizens&Farmers Bank (#10363) risk type credit driven; Citizens&Farmers Bank (#10363) rate regime rates elevated; Citizens&Farmers Bank (#10363) shares 2.0% below the 52-week high, Citizens&Farmers Bank (#10363) equity trend strong, Citizens&Farmers Bank (#10363) snapshot October 19, 2026.
Citizens&Farmers Bank (#10363) stress score moved from 61.5 on June 22, 2026 to 59.3 on October 19, 2026; Citizens&Farmers Bank (#10363) ranged 59.3 to 61.5 over 116 snapshots.
Citizens&Farmers Bank (#10363) alerts: 21 counties; top Citizens&Farmers Bank (#10363) alert scores: Williamsburg County, VA 41 (moderate); Charlottesville County, VA 40 (moderate); Roanoke County, VA 39 (moderate); Cumberland County, VA 36 (moderate); Henrico County, VA 36 (moderate).