BlastPoint's Banking Scorecard
Citizens and Farmers Bank
Community
Specialty: Commercial
VA
FDIC cert 10363
West Point, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Citizens and Farmers Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8% in Community
- - Credit Risk Growth: Bottom 32% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+7.9% YoY
+2.1% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$2.1B
+8.1% YoY
+2.7% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.4B
+7.9% YoY
+2.1% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.15%
+26.5% YoY
-0.4% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.45%
+2.9% YoY
+0.4% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
65.12%
-4.4% YoY
-0.4% QoQ
|
+2.49% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.11%
+48.6% YoY
-17.3% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
87.24%
+0.1% YoY
+0.6% QoQ
|
+4.18% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
23.47%
-4.6% YoY
-4.4% QoQ
|
+2.42% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.13%
+21.2% YoY
-11.8% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
13.58%
+10.6% YoY
-1.2% QoQ
|
+3.33% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
1.12%
+2.6% YoY
+30.7% QoQ
|
+0.38% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#53 of 371 · Top 14% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Quality Pressure
risk
#65 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#205 of 642 · Bottom 32% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
89
89th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.58% · Tier avg: 10.24%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.24% · Tier avg: 83.06%
41
41th pctile
Efficiency Ratio
Current: 65.12% · Tier avg: 62.63%
Top Weaknesses
41
41th pctile
Efficiency Ratio
Current: 65.12% · Tier avg: 62.63%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.24% · Tier avg: 83.06%
52
52th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.58% · Tier avg: 10.24%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 23.47% · Tier avg: 21.05%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
89
89th pctile
Non-Interest Income / Assets
Current: 1.12% · Tier avg: 0.74%
89
89th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M