Total Assets
$2.7B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$2.4B
Customer-funded liabilities
Net Loans
$2.1B
Outstanding loan book
Net Income
$31M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
10.60%
Efficiency Ratio
65.12%
What the numbers say about Citizens and Farmers Bank
Citizens and Farmers Bank is an FDIC-insured institution (Certificate #10363) headquartered in West Point, Virginia, established in 1927. It holds $2.7B in total assets - 464th of 4,313 FDIC-insured banks, $2.4B in customer deposits, and $2.1B in net loans. Looking at capital strength, Tier 1 stands at 13.58%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.62%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Virginia, Citizens and Farmers Bank ranks 11th of 56 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Virginia by total assets
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.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Citizens and Farmers Bank's health grade?▼
Citizens and Farmers Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Citizens and Farmers Bank?▼
Citizens and Farmers Bank holds $2.7B in total assets and $2.4B in deposits, ranking 464th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Point, Virginia.
Is my money safe at Citizens and Farmers Bank?▼
Yes, deposits at Citizens and Farmers Bank (Certificate #10363) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Citizens and Farmers Bank's Tier 1 Capital Ratio?▼
Citizens and Farmers Bank has a Tier 1 Capital Ratio of 13.58%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Citizens and Farmers Bank?▼
Citizens and Farmers Bank has a Texas Ratio of 0.62%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Citizens and Farmers Bank?▼
Citizens and Farmers Bank has an Efficiency Ratio of 65.12%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Citizens and Farmers Bank's profile as a depositor or analyst.
- Citizens and Farmers Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Citizens and Farmers Bank against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.