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About C&F Bank: Nearly a Century of Virginia Community Banking

AI Summary: C&F Bank (Citizens and Farmers Bank) was chartered in 1927 in West Point, Virginia, to serve the farming and merchant communities of the Middle Peninsula. Today it operates 30 branches across Greater Richmond, Hampton Roads, Williamsburg and the Northern Neck, manages over $2.1 billion in assets, and remains a locally governed FDIC-insured institution committed to relationship-driven banking.

For nearly a century, C&F Bank has proven that a community bank can deliver institutional-grade financial services without sacrificing the personal attention Virginia families and businesses deserve. Every loan decision is made by bankers who understand Virginia's economy — not by an algorithm in a distant corporate tower.

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Historic C&F Bank headquarters building in West Point Virginia representing nearly a century of community banking

Our Story: From Citizens and Farmers Bank to C&F Bank

What began as a single-office bank in a small Virginia river town has grown into one of the Commonwealth's most respected community banking institutions — without ever losing sight of the principles that built it.

Founded in 1927: West Point, Virginia

Citizens and Farmers Bank received its Virginia state charter on March 14, 1927, in West Point — a small town at the confluence of the Mattaponi and Pamunkey rivers in King William County. The founding directors were local farmers, timber merchants and watermen who needed a bank that understood seasonal cash flow, crop cycles and the rhythms of Tidewater commerce.

The original capitalisation was $50,000 — modest even by 1920s standards. But that capital was deployed with a philosophy that still guides C&F Bank today: know the borrower, understand the collateral, and stand behind the community in good times and bad. Through the Great Depression, the bank honoured every deposit and never closed its doors. While larger institutions across Virginia failed, Citizens and Farmers Bank endured because its balance sheet was conservative and its relationships were genuine.

By the end of World War II, the bank had expanded to three locations across the Middle Peninsula, financing returning veterans' home purchases and helping local businesses transition from wartime to peacetime economies. The bank's first home mortgage programme launched in 1946, and agricultural operating lines became a cornerstone product for the tobacco, grain and soybean farmers who defined the Northern Neck's economy.

Historical photograph of the original Citizens and Farmers Bank building in West Point Virginia circa 1927
C&F Bank branch expansion across Virginia communities from the 1960s through the 1990s

Growth Across Virginia: 1950s Through 2004

The second half of the twentieth century brought steady, deliberate expansion. Citizens and Farmers Bank opened branches in Gloucester, Mathews and Middlesex counties during the 1960s, then moved into the Williamsburg corridor in the 1970s as Colonial Virginia's tourism economy boomed. Each new location followed the same model: hire locally, lend locally, reinvest locally.

The 1980s and 1990s saw the bank enter the Greater Richmond and Hampton Roads markets — the two largest metropolitan areas in Virginia. These moves were organic, driven by existing customer relationships rather than aggressive acquisition. A Richmond contractor who had banked with Citizens and Farmers for 20 years wanted the same service in Henrico County. A Hampton Roads defense subcontractor needed a lender who understood government contract financing. The bank followed its clients.

In 2004, the institution formally rebranded to C&F Bank — a shorter name that reflected the bank's evolution beyond its purely agricultural roots while honouring the Citizens and Farmers heritage. The parent holding company, C&F Financial Corporation, was established to oversee the bank's growing operations, which by then included mortgage banking and wealth management divisions.

C&F Bank Today: $2.1 Billion in Assets, 30 Branches

Today, C&F Bank manages over $2.1 billion in total assets and operates 30 full-service branches across four Virginia regions: Greater Richmond (10 locations), Hampton Roads (8), Williamsburg and the Peninsula (6), and the Northern Neck and Middle Peninsula (6). The bank employs approximately 450 Virginians and serves over 48,000 active account holders.

C&F Bank holds designations as an FDIC member institution and an SBA Preferred Lender. The bank's NMLS registration number is 399805. Every deposit account — checking, savings, money market and certificates of deposit — carries FDIC insurance up to $250,000 per depositor, per ownership category.

The product suite spans personal checking and savings, home mortgages (conventional, FHA, VA and VHDA programmes), auto loans, personal lines of credit, business checking and savings, commercial real estate loans, SBA 7(a) and 504 financing, treasury management, merchant services, and a full-featured CFFC online banking platform with mobile cheque deposit, bill pay, Zelle transfers and biometric authentication.

Despite this growth, the core operating model has not changed. Loan decisions are made by Virginia-based officers who meet borrowers face to face. The loan-to-deposit ratio holds below 75%, reflecting a conservative balance sheet philosophy inherited from the bank's Depression-era founders. Customer service calls are answered by staff in Virginia, not routed to an offshore call centre.

Modern C&F Bank branch interior showing personal banking consultation area and digital banking kiosk

C&F Bank by the Numbers

From a $50,000 charter in 1927 to one of Virginia's strongest community banks.

1927Year Chartered
$2.1BTotal Assets
30Branch Locations
450+Virginia Employees

Our Mission and Community Commitment

C&F Bank exists to strengthen Virginia communities through responsible lending, accessible banking and genuine local engagement.

Community Reinvestment

C&F Bank consistently earns "Satisfactory" or higher ratings on Community Reinvestment Act examinations. The bank directs a significant portion of its lending to low- and moderate-income census tracts across Virginia, finances affordable housing projects, and provides small-dollar loans to entrepreneurs who might not qualify at larger institutions. Our annual community grant programme supports over 100 Virginia non-profits, school systems and civic organisations.

Local Governance

The C&F Bank board of directors comprises Virginia business leaders, attorneys, physicians and agricultural producers — not Wall Street appointees. Board meetings take place in West Point, where the bank was founded. This governance structure ensures that strategic decisions reflect the needs of Virginia communities, not the quarterly earnings expectations of distant shareholders. Every branch manager has authority to resolve issues on the spot.

Virginia Regions We Serve

Four distinct regions, one consistent standard of community banking excellence.

Greater Richmond — 10 Branches

Serving Henrico, Chesterfield, Hanover and the City of Richmond with personal banking, commercial lending and treasury management. Our Richmond-area team specialises in healthcare practice financing, commercial real estate and professional services banking.

Hampton Roads — 8 Branches

Locations across Norfolk, Virginia Beach, Newport News and Hampton serving the defense, maritime and tourism sectors. C&F Bank understands government contract financing, shipyard payroll cycles and the seasonal patterns of the coastal Virginia economy.

Williamsburg & Peninsula — 6 Branches

Branches in Williamsburg, James City County and York County serving the hospitality, education and retirement communities. Our Williamsburg team has deep expertise in SBA lending for restaurants, retail and tourism-dependent businesses.

Northern Neck & Middle Peninsula — 6 Branches

Our heritage region. Branches in West Point, Gloucester, Mathews, Middlesex and surrounding communities. Agricultural operating lines, waterfront property mortgages and small business lending remain core strengths in the communities where C&F Bank began.

People Also Ask

When was C&F Bank founded?
C&F Bank was founded in 1927 as Citizens and Farmers Bank in West Point, Virginia. The institution was chartered to serve the agricultural and commercial needs of the Middle Peninsula and Northern Neck communities. The name was shortened to C&F Bank in 2004 to reflect the bank's growth beyond its agricultural roots.
How many branches does C&F Bank have?
C&F Bank operates 30 branch locations across Virginia: Greater Richmond (10), Hampton Roads (8), Williamsburg and the Peninsula (6), and the Northern Neck and Middle Peninsula (6). All branches offer full personal and business banking, lending consultations and notary services. Visit Contact Us for addresses and hours.
What does C&F stand for in C&F Bank?
C&F stands for Citizens and Farmers. The bank was originally chartered in 1927 as Citizens and Farmers Bank in West Point, Virginia. The abbreviated name was adopted in 2004 to reflect the institution's expansion while preserving its founding heritage.
Is C&F Bank a publicly traded company?
C&F Bank is a wholly owned subsidiary of C&F Financial Corporation. The bank operates as a Virginia-chartered community bank with over $2.1 billion in total assets, is a member of the FDIC, and holds NMLS registration number 399805.
What areas does C&F Bank serve in Virginia?
C&F Bank serves communities across Central and Eastern Virginia including the Greater Richmond metropolitan area, Hampton Roads, Williamsburg, the Virginia Peninsula, the Northern Neck and the Middle Peninsula. The bank's headquarters remain in West Point, Virginia. Call 804-843-2360 to find the branch nearest you.