Citizens and Farmers Bank: how it compares with its peers
Against 17 VA banks with half to twice its assets, Citizens and Farmers Bank's strongest measure in Q2 2026 is net interest margin (4.55% vs. a 3.61% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $7.6M).
| Measure | Citizens and Farmers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.24% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.55% | 3.61% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.72% | 58.63% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $7.6M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.03% | 88.88% | Context |
What it means for lending operations
Its efficiency ratio of 64.72% is above the 58.63% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- John Marshall Bank Reston, VA · $2.40B
- FVCbank Fairfax, VA · $2.36B
- Blue Ridge Bank, National Association Martinsville, VA · $2.31B
- MainStreet Bank Fairfax, VA · $2.24B
- Chain Bridge Bank, National Association Mclean, VA · $2.19B
- First Bank Strasburg, VA · $2.07B
Questions about Citizens and Farmers Bank
How big is Citizens and Farmers Bank?
Citizens and Farmers Bank, established in 1927, is headquartered in West Point, VA. It reported $2.79B in total assets in its Q2 2026 FDIC call report and operates 32 offices.
What is Citizens and Farmers Bank's return on assets?
1.27% annualized in Q2 2026, against a 1.24% median for 17 VA banks with half to twice its assets, ahead of 53% of them.
What is Citizens and Farmers Bank's efficiency ratio?
64.72% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 58.63%, and lower is better.
Is Citizens and Farmers Bank growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 5.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are VA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Virginia bank ranked.