Total Assets
$2.8B
Total Deposits
$2.4B
Branches
31
Established
1927
Citizens and Farmers Bank is a bank headquartered in West Point, Virginia, established in 1927. It holds $2.8B in total assets across 31 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Citizens and Farmers Bank earns a TFS Financial Health Grade of B+ (84.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
84.9 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Citizens and Farmers BankHQ | 415 14th Street | West Point | VA | 11 |
| Citizens and Farmers Bank | 2288 Cartersville Rd | Cartersville | VA | 11 |
| Citizens and Farmers Bank | 3920 Lenox Ave | Charlottesville | VA | 11 |
| Citizens and Farmers Bank | 304 E Main St | Charlottesville | VA | 11 |
| Citizens and Farmers Bank | 4820 W Hundred Rd | Chester | VA | 11 |
| Citizens and Farmers Bank | 2609 Boulevard | Colonial Heights | VA | 11 |
| Citizens and Farmers Bank | 1422 Anderson Hwy | Cumberland | VA | 11 |
| Citizens and Farmers Bank | 175 Kings Hwy | Fredericksburg | VA | 11 |
| Citizens and Farmers Bank | 402 William St | Fredericksburg | VA | 11 |
| Citizens and Farmers Bank | Longhill And Olde Towne Roads | James City County | VA | 11 |
| Citizens and Farmers Bank | U.S. Route 60 And State Route 607 | James City County | VA | 11 |
| Citizens and Farmers Bank | 8065 Kings Hwy | King George | VA | 11 |
| Citizens and Farmers Bank | 7021 Mechanicsville Tpke | Mechanicsville | VA | 11 |
| Citizens and Farmers Bank | 13200 Midlothian Tpke | Midlothian | VA | 11 |
| Citizens and Farmers Bank | 13200 Hull Street Road | Midlothian | VA | 11 |
| Citizens and Farmers Bank | 1400 Alverser Dr | Midlothian | VA | 11 |
| Citizens and Farmers Bank | 15960 Kings Hwy | Montross | VA | 11 |
| Citizens and Farmers Bank | 698 Town Center Dr | Newport News | VA | 12 |
| Citizens and Farmers Bank | 2351 Anderson Hwy | Powhatan | VA | 11 |
| Citizens and Farmers Bank | Routes 60 And 155 | Providence Forge | VA | 11 |
| Citizens and Farmers Bank | State Route 249 | Quinton | VA | 11 |
| Citizens and Farmers Bank | 12308 Patterson Ave | Richmond | VA | 11 |
| Citizens and Farmers Bank | 3490 Lauderdale Dr | Richmond | VA | 11 |
| Citizens and Farmers Bank | 8001 W Broad St | Richmond | VA | 11 |
| Citizens and Farmers Bank | 301 S 10th St | Richmond | VA | 11 |
| Citizens and Farmers Bank | Route 33 And State Route 641 | Saluda | VA | 11 |
| Citizens and Farmers Bank | 100 E Williamsburg Rd | Sandston | VA | 11 |
| Citizens and Farmers Bank | Route 5 And Strath Road | Varina | VA | 11 |
| Citizens and Farmers Bank | 4593 Richmond Rd | Warsaw | VA | 11 |
| Citizens and Farmers Bank | 1100 Jamestown Rd | Williamsburg | VA | 11 |
| Citizens and Farmers Bank | 2800 George Washington Mem Hwy | Yorktown | VA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
84.9
Tier 1 capital ratio
11.20%
Return on assets
1.27%
Non-performing loans
0.09%
Efficiency ratio
64.72%
Asset growth (YoY)
4.65%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.