FDIC Cert #10363 · West Point, Virginia · Est. 1927

Citizens and Farmers Bank - FDIC Bank Health Profile

A community-scale look at Citizens and Farmers Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.7B
Total assets
A
Health grade · Excellent
1.15%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

Citizens and Farmers Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.58% Tier 1, profitable at 1.15% ROA, 65% efficiency ratio.

#464
largest of 4,313 FDIC banks by assets
89th
percentile by asset size, nationally
13.58%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 10363 · VA A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1540/4307
  • PHOTO-FINISH Oostburg State Bank · WI
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-PAR 1.15% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Virginia: Oostburg State Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Citizens and Farmers Bank

Lowest and highest poles plus nearest scored peers outside Virginia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens and Farmers… · VA ·…83/100Commercial State Bank · TX ·…83/100Oostburg State Bank · WI · n…83/100State Bank Financial · WI · …83/100Waumandee State Bank · WI · …83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Citizens and Farmers Bank · July 2026

What Citizens and Farmers Bank's Call Report plate shows

Citizens and Farmers Bank (FDIC Cert #10363) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,540 of 4,307. Tier 1 capital prints at 13.58%, clearing the 10% well-capitalized line. The Texas Ratio is 0.62%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.15%. Balance-sheet scale is $2.7B, 464th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Oostburg State Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Citizens and Farmers Bank

5 FAILURE resolutions in Virginia since 2000 (5 since 2008)

Citizens and Farmers Bank's home state sits in the middle band of post-2000 FAILURE counts (5; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Citizens and Farmers Bank remains an active FDIC-insured reporter.

  • MILLENNIUM BANK, NATIONAL ASSOCIATION STERLING, VA 2014 → WASHINGTONFIRST BANK
  • BANK OF THE COMMONWEALTH NORFOLK, VA 2011 → SOUTHERN BANK AND TRUST COMPANY
  • VIRGINIA BUSINESS BANK RICHMOND, VA 2011 → XENITH BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Virginia banks.

How Citizens and Farmers Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Citizens and Farmers Bank's composite health score
Tier 1 Capital Ratio (13.58%) 35/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (0.62%) 20/20
Efficiency Ratio (65.12%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.7B

Total balance-sheet footings

Total Deposits

$2.4B

Customer-funded liabilities

Net Loans

$2.1B

Outstanding loan book

Net Income

$31M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.18% 13.58% 14.98%
Basel III capital ratios - Citizens and Farmers Bank

Where Citizens and Farmers Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Citizens and Farmers Bank's score of 83/100 falls in the highlighted band.

Citizens and Farmers Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 36% higher than 64% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Citizens and Farmers Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Citizens and Farmers Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Citizens and Farmers Bank's $2.7B falls in the highlighted band.

Safety ratios for Citizens and Farmers Bank

Tier 1 capital ratio
Well-capitalized 10%

13.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.58%
Texas Ratio
0.62%
Equity Capital
$314M

What these ratios mean →

Earnings posture at Citizens and Farmers Bank

Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
10.60%
Efficiency Ratio
65.12%

What these mean →

Income & expense at Citizens and Farmers Bank

$152M
Interest Income
$31M
Non-Interest Income
$92M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Citizens and Farmers Bank reports a Texas Ratio of 0.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Citizens and Farmers Bank on FDIC BankFind →

Top banks in Virginia by total assets

Largest banks headquartered in Virginia
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  3. 3
    Atlantic Union Bank $37.5B

    Richmond City, VA · Grade A

  4. 4
    United Bank $33.5B

    Fairfax, VA · Grade A

  5. 5
    TowneBank $19.7B

    Portsmouth, VA · Grade B

Top 5 banks in Virginia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.7B here), outside Virginia so the neighborhood is not state containment.

The Fidelity Deposit and Discount Bank $2.7B · PA Bank of New Hampshire $2.7B · NH Habib American Bank $2.7B · NY Emprise Bank $2.8B · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Citizens and Farmers Bank (FDIC Cert #10363) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Citizens and Farmers Bank Call Report profile · FDIC Failed Bank List · Virginia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Virginia

All Virginia banks →
BankAssetsGradeROA
Capital One, National AssociationMclean $658.5B B 0.55%
HSBC Bank USA, National AssociationTysons $165.3B A 0.92%
Atlantic Union BankRichmond City $37.5B A 0.99%
United BankFairfax $33.5B A 1.50%
TowneBankPortsmouth $19.7B B 0.90%
Burke & Herbert Bank & Trust CompanyAlexandria $7.9B A 1.69%
Carter Bank & TrustMartinsville $4.8B D 0.72%
The First Bank and Trust CompanyLebanon $4.2B A 1.62%