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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Virginia, the state note

Citizens & Farmers Bank

West Point, Virginia · $2.79B in assets · beside the 11 other Virginia banks between $1B and $3B

The filing

19.5x
Coverage of noncurrent
2nd of 11
0.09%
NPA / loans
4th of 12
+6.0%
Loans, year over year
4th of 12, largest first

Citizens & Farmers Bank is the largest of the 12 Virginia banks nearest its size between $1B and $3B, with $2.79B in assets at 30 June 2026. Loans are 90.7% of deposits, 6th of 12 against a median of 91.1%, and equity is 11.7% of assets, 6th of 12. Loans grew +6.0% in the year, 4th of 12, and deposits grew 5.3%; the cohort's median loan growth is +3.7%.

Noncurrent loans are 0.09% of the book, 4th of 12 against a median of 0.39%; 0.77% is 30 to 89 days past due, and the allowance covers them 19.5 times. Net charge-offs are 0.57% of loans, the highest in the cohort. Commercial real estate is 41.9% of loans, 7th of 12 against a median of 41.6%, and 267% of capital, below the 300% screen, with construction at 59% against the 100% screen. CRE has grown +50.0% over 36 months, past the guidance's 50% prong.

Return on assets is 1.26%, 5th of 12 against a median of 1.17%, on an efficiency ratio of 64.8%, 8th of 12. Five years ago it was 1.54%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansVA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.39% CB Chain Bridge Bank N.A. 0.00% JM John Marshall Bank 0.01% NB National Bank of Blacksburg 0.06% CF Citizens & Farmers Bank 0.09% CB Chesapeake Bank 0.24% FB First Bank 0.32% VN Virginia National Bank 0.47% F Fvcbank 0.59% OD Old Dominion National Bank 0.85% Bo Bank of Clarke 1.07% BR Blue Ridge Bank N.A. 1.68% MB Mainstreet Bank 3.15%
Loans, year over yearVA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +3.7% CB Chesapeake Bank +18.5% MB Mainstreet Bank +9.0% OD Old Dominion National Bank +8.2% CF Citizens & Farmers Bank +6.0% JM John Marshall Bank +5.1% Bo Bank of Clarke +4.4% FB First Bank +3.0% F Fvcbank +1.6% NB National Bank of Blacksburg +0.3% VN Virginia National Bank -0.6% CB Chain Bridge Bank N.A. -4.7% BR Blue Ridge Bank N.A. -6.9%

SBA 7(a), FY2008 to FY2026

Citizens & Farmers Bank is the 197th largest 7(a) lender into Virginia of 332, with $2M across 14 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $669M). 9 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Virginia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fredericksburg City, VA$700K27th of 501.0%quiet FY2014
James City, VA$500K29th of 460.7%quiet FY2013
Chesterfield, VA$402K59th of 770.1%quiet FY2014
Cumberland, NC$180K79th of 870.1%quiet FY2012
Suffolk City, VA$120K41st of 450.2%quiet FY2015
Powhatan, VA$110K18th of 240.4%quiet FY2010
Prince William, VA$75K104th of 1050.0%quiet FY2010
Richmond City, VA$50K76th of 770.0%quiet FY2009
Nottoway, VA$35K9th of 90.5%quiet FY2010
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance4$2M73.8%0.00%962nd of 2,172
Retail trade5$299K13.8%0.00%2141st of 2,589
Accommodation & food services2$95K4.4%0.00%2477th of 2,596
Manufacturing1$75K3.5%0.00%2162nd of 2,246
Information2$50K2.3%0.00%885th of 958
7(a) lenders into Virginia, share of approvals since FY2008332 lenders on record; the ten largest and Citizens & Farmers Bank
LO Live Oak Banking Company 9.2% $669M · 493 loans TB Truist Bank 6.8% $497M · 1,580 loans WF Wells Fargo Bank National Associa… 5.0% $365M · 1,549 loans AU Atlantic Union Bank 4.0% $294M · 765 loans Ma Manufacturers and Traders Trust C… 3.5% $254M · 1,602 loans TH The Huntington National Bank 3.0% $219M · 454 loans FN First National Bank of Pennsylvan… 2.4% $176M · 195 loans PB Primis Bank 2.4% $175M · 522 loans G Gbank 2.3% $170M · 69 loans TF The First Bank and Trust Company 2.2% $161M · 227 loans Ca Citizens and Farmers Bank 0.0% $2M · 14 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Citizens & Farmers BankRankCohort median
Total CRE against capital, the 300% screen267%7th of 12261%
Construction against capital, the 100% screen59%9th of 1244%
Construction and land development, share of loans9.2%9th of 127.5%
Non-owner-occupied nonfarm nonresidential, share of loans25.6%6th of 1226.2%
Total CRE, the guidance definition, share of loans41.9%7th of 1241.6%
CRE growth over 36 months, the third prong+50.0%9th of 12+15.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citizens & Farmers Bank$2.79B1.3%64.8%0.09%0.57%1.8%90.7%11.7%
John Marshall Bank$2.40B1.2%49.1%0.01%0.01%1.0%100.9%12.3%
Fvcbank$2.36B1.4%48.8%0.59%0.00%1.0%92.3%11.8%
Blue Ridge Bank N.A.$2.31B0.0%89.8%1.68%0.03%1.2%98.0%10.6%
Mainstreet Bank$2.24B0.9%65.0%3.15%0.03%1.0%100.5%12.5%
Chain Bridge Bank N.A.$2.19B1.8%40.4%0.00%0.00%1.4%13.7%8.1%
First Bank$2.07B1.1%67.3%0.32%0.09%1.0%80.6%9.4%
Bank of Clarke$1.85B1.0%62.5%1.07%0.29%1.2%93.9%12.0%
National Bank of Blacksburg$1.83B0.6%59.2%0.06%0.02%1.0%61.4%9.2%
Old Dominion National Bank$1.80B0.8%61.4%0.85%0.26%0.9%91.5%10.7%
Chesapeake Bank$1.72B1.7%65.8%0.24%0.07%1.1%75.0%10.7%
Virginia National Bank$1.64B1.9%44.6%0.47%0.00%0.7%87.5%11.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Citizens & Farmers BankCohort median
20212026Change20212026Change
Loans$1.50B$2.16B+44%$1.02B$1.50B+46%
Deposits$1.85B$2.38B+29%$1.47B$1.87B+27%
NPA / loans0.20%0.09%-0.11 pts0.26%0.39%+0.14 pts
Efficiency69.4%64.8%-4.7 pts65.5%61.9%-3.5 pts
ROA1.54%1.26%-0.28 pts1.21%1.17%-0.05 pts

This read was prepared for Citizens & Farmers Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Citizens & Farmers Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort VA banks $1B to $3B
Institution www.cffc.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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