Listed locations
31
Institution profile
Citizens and Farmers Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Citizens and Farmers Bank
- Display name
- Citizens and Farmers Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- February 1, 1927
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- West Point, VA, 23181, United States
- Website
- https://www.cffc.com
- FDIC certificate number
- 10363
- Federal Reserve RSSD ID
- 928421
- Domestic location count
- 31
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 10363
- Federal Reserve RSSD ID
- 928421
- LEI
- 549300QBMI3P6JWI9Q86
- Headquarters
- 415 14th ST, West Point, VA, 23181, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 31 of 31 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| CARTERSVILLE BRANCH | 2288 Cartersville Road | Cartersville | VA | 23027 |
| CHARLOTTESVILLE BRANCH | 304 E Main Street | Charlottesville | VA | 22902 |
| STONEFIELD FINANCIAL CENTER BRANCH | 3920 Lenox Avenue | Charlottesville | VA | 22901 |
| CHESTER BRANCH | 4820 West Hundred Road | Chester | VA | 23831 |
| COLONIAL HEIGHTS | 2609 Boulevard | Colonial Heights | VA | 23834 |
| CUMBERLAND BRANCH | 1422 Anderson Highway | Cumberland | VA | 23040 |
| DOWNTOWN FREDERICKSBURG FINANCIAL CENTER BRANCH | 402 William Street | Fredericksburg | VA | 22401 |
| STAFFORD BRANCH | 175 Kings Highway | Fredericksburg | VA | 22405 |
| KING GEORGE BRANCH | 8065 Kings Highway | King George | VA | 22485 |
| MECHANICSVILLE OFFICE BRANCH | 7021 Mechanicsville Turnpike | Mechanicsville | VA | 23111 |
| ALVERSER OFFICE BRANCH | 1400 Alverser Drive | Midlothian | VA | 23113 |
| BRANDERMILL OFFICE | 13200 Hull Street Road | Midlothian | VA | 23112 |
| MIDLOTHIAN BRANCH | 13200 Midlothian Turnpike | Midlothian | VA | 23113 |
| MONTROSS BRANCH | 15960 King's Highway | Montross | VA | 22520 |
| CITY CENTER BRANCH | 698 Town Center Drive | Newport News | VA | 23606 |
| NORGE OFFICE | 7534 Richmond Road | Norge | VA | 23127 |
| POWHATAN BRANCH | 2351 Anderson Highway | Powhatan | VA | 23139 |
| PROVIDENCE FORGE BRANCH | 3501 N Courthouse Drive | Providence Forge | VA | 23140 |
| QUINTON OFFICE | 2580 New Kent Highway | Quinton | VA | 23141 |
| DOWNTOWN RICHMOND FINANCIAL CENTER BRANCH | 301 South 10th Street | Richmond | VA | 23219 |
| PATTERSON BRANCH | 12308 Patterson Avenue | Richmond | VA | 23238 |
| VARINA BRANCH | 2651 New Market Road | Richmond | VA | 23231 |
| WELLESLEY BRANCH | 3490 Lauderdale DR | Richmond | VA | 23233 |
| WEST BROAD BRANCH | 8001 West Broad ST | Richmond | VA | 23294 |
| DOWNTOWN ROANOKE BRANCH | 505 S. Jefferson St, Unit B | Roanoke | VA | 24011 |
| MIDDLESEX BRANCH | 2608 General Puller Highway | Saluda | VA | 23149 |
| SANDSTON OFFICE BRANCH | 100 East Williamsburg Road | Sandston | VA | 23150 |
| WARSAW BRANCH | 4593 Richmond Road | Warsaw | VA | 22572 |
| JAMESTOWN BRANCH | 1167 Jamestown Road | Williamsburg | VA | 23185 |
| LONGHILL OFFICE | 4780 Longhill Road | Williamsburg | VA | 23188 |
| KILN CREEK BRANCH | 2800 George Washington Memorial Highway | Yorktown | VA | 23693 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- February 1, 2024
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| February 1, 2024 | Satisfactory | FDIC | Large Bank Exam |
| November 1, 2020 | Satisfactory | FDIC | Large Bank Exam |
| April 1, 2018 | Satisfactory | FDIC | Large Bank Exam |
| May 1, 2015 | Satisfactory | FDIC | Intermediate Small Bank |
| June 1, 2012 | Satisfactory | FDIC | Intermediate Small Bank |
| March 1, 2011 | Needs to Improve | FDIC | Intermediate Small Bank |
| January 1, 2007 | Satisfactory | FDIC | Intermediate Small Bank |
| November 1, 2003 | Satisfactory | FDIC | Large Bank Exam |
| July 1, 2000 | Satisfactory | FDIC | Large Bank Exam |
| August 1, 1998 | Satisfactory | FDIC | Small Bank |
| September 1, 1995 | Satisfactory | FDIC | Not Reported |
| July 1, 1993 | Satisfactory | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| January 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| March 22, 2014 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 21, 1979 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
6 FFIEC NIC relationship records
Showing 1 through 6 of 6 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | C & F FINANCE COMPANY | Finance Company | Richmond, VA |
| Direct relationship | C&F INSURANCE SERVICES, INC. | Domestic Entity Other | West Point, VA |
| Direct relationship | C&F MORTGAGE CORPORATION | Domestic Entity Other | Midlothian, VA |
| Direct relationship | C&F WEALTH MANAGEMENT CORPORATION | Securities Broker / Dealer | West Point, VA |
| Direct relationship | CVB TITLE SERVICES, INC | Domestic Entity Other | Powhatan, VA |
| ROOT_INSTITUTION | CITIZENS AND FARMERS BANK | Non-member Bank | West Point, VA |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank