CITIZENS&FARMERS BANK
WEST POINT, VIRGINIA · FDIC Cert #10363
Capital & Safety Analysis
According to FDIC financial data, CITIZENS&FARMERS BANK holds a Tier 1 capital ratio of 12.24%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning CITIZENS&FARMERS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
CITIZENS&FARMERS BANK shows strong financial health indicators. With $2.5B in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
CITIZENS&FARMERS BANK has a Bank Health Score of B (76/100). It holds a Tier 1 capital ratio of 12.24%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
CITIZENS&FARMERS BANK holds $2.5B in total assets and $2.1B in total deposits. It is located in WEST POINT, VIRGINIA (FDIC Certificate #10363).
CITIZENS&FARMERS BANK has a Tier 1 capital ratio of 12.24%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.11%, and the return on assets is 0.99%.
Yes. CITIZENS&FARMERS BANK is FDIC-insured (Certificate #10363). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.