Bank · FDIC insured
Citizens and Farmers Bank
A $2.8B bank headquartered in West Point, VA, with 32 branches in Virginia. Best rates: CDs 4.00% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs804.00%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens and Farmers Bank
Citizens and Farmers Bank is committed to supporting the communities it serves with time, talent, and treasure.
- Headquarters
- 415 14th Street, West Point, VA 23181
- FDIC certificate
- 10363 ↗
Branches
32 branches in Virginia
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Virginia
32 branches
Richmond area · 16
- Citizens and Farmers BankMain office415 14th Street, West Point, VA 23181Directions
- Chester Branch4820 W Hundred Rd, Chester, VA 23831Directions
- Colonial Heights Branch2609 Boulevard, Colonial Heights, VA 23834Directions
- Mechanicsville Branch7021 Mechanicsville Tpke, Mechanicsville, VA 23111Directions
- Alverser Branch1400 Alverser Dr, Midlothian, VA 23113Directions
- Brandermill Branch13200 Hull Street Road, Midlothian, VA 23112Directions
- Midlothian Branch13200 Midlothian Tpke, Midlothian, VA 23113Directions
- Powhatan Branch2351 Anderson Hwy, Powhatan, VA 23139Directions
- Providence Forge BranchRoutes 60 And 155, Providence Forge, VA 23140Directions
- Quinton BranchState Route 249, Quinton, VA 23141Directions
- Downtown Richmond Financial Center Branch301 S 10th St, Richmond, VA 23219Directions
- Patterson Avenue Branch12308 Patterson Ave, Richmond, VA 23238Directions
- Wellesley Branch3490 Lauderdale Dr, Richmond, VA 23233Directions
- West Broad Branch8001 W Broad St, Richmond, VA 23294Directions
- Sandston Branch100 E Williamsburg Rd, Sandston, VA 23150Directions
- Varina BranchRoute 5 And Strath Road, Varina, VA 23231Directions
Virginia Beach area · 5
- Longhill BranchLonghill And Olde Towne Roads, James City County, VA 23081Directions
- Norge BranchU.S. Route 60 And State Route 607, James City County, VA 23127Directions
- City Center Branch698 Town Center Dr, Newport News, VA 23606Directions
- Jamestown Road Branch1100 Jamestown Rd, Williamsburg, VA 23185Directions
- Kiln Creek Branch2800 George Washington Mem Hwy, Yorktown, VA 23693Directions
Charlottesville area · 2
- Charlottesville Branch304 E Main St, Charlottesville, VA 22902Directions
- Stonefield Financial Center Branch3920 Lenox Ave, Charlottesville, VA 22901Directions
Washington area · 2
- Fredericksburg Branch402 William St, Fredericksburg, VA 22401Directions
- Stafford Branch175 Kings Hwy, Fredericksburg, VA 22405Directions
Cartersville area · 1
- Cartersville Branch2288 Cartersville Rd, Cartersville, VA 23027Directions
Cumberland area · 1
- Cumberland Branch1422 Anderson Hwy, Cumberland, VA 23040Directions
King George area · 1
- King George County Branch8065 Kings Hwy, King George, VA 22485Directions
Montross area · 1
- Montross Branch15960 Kings Hwy, Montross, VA 22520Directions
Roanoke area · 1
- Roanake Branch505 S Jefferson St, Roanoke, VA 24011Directions
Saluda area · 1
- Middlesex BranchRoute 33 And State Route 641, Saluda, VA 23149Directions
Warsaw area · 1
- Warsaw Branch4593 Richmond Rd, Warsaw, VA 22572Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.20% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.09% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.27% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalLeverage ratio11.20%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.09%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.27%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens and Farmers Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.