Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

CITIZENS&FARMERS BANK

FDIC #10363 · VA · period 20260630

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Total assets1,401,218-4.07% YoY

Total deposits1,075,225-5.09% YoY

Net loans and leases914,374-9.02% YoY

Return on assets0.79%-6.41% YoY

Return on equity7.17%-5.03% YoY

Net interest margin6.28%+3.45% YoY

Peer position

Return on assets51stin line · n=902

Return on equity42ndin line · n=894

Net interest margin89thstrength · n=902

Equity to assets71ststrength · n=894

Noncurrent loans89thstrength · n=887

Liquid assets42ndin line · n=895

Brokered deposits55thin line · n=890

Loans to deposits42ndin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,401,218	1,075,225	914,374	0.79	7.17	6.28
2016-06-30	1,406,813	1,078,580	982,867	1.12	10.09	6.33
2016-09-30	1,418,372	1,091,835	999,939	1.07	9.61	6.37
2016-12-31	1,444,712	1,120,360	1,008,635	1.03	9.23	6.35
2017-03-31	1,460,737	1,132,868	1,004,977	0.84	7.55	6.07
2017-06-30	1,460,996	1,128,799	1,004,556	1.03	9.13	6.11
2017-09-30	1,478,476	1,143,018	1,033,754	0.99	8.73	6.12
2017-12-31	1,505,736	1,171,706	1,047,061	0.58	5.16	6.07
2018-03-31	1,527,067	1,194,147	1,030,224	1.13	10.43	5.92
2018-06-30	1,531,599	1,193,967	1,050,449	1.28	11.76	5.87
2018-09-30	1,494,761	1,158,818	1,046,514	1.34	12.13	5.97
2018-12-31	1,517,593	1,182,055	1,068,889	1.29	11.59	5.98
2019-03-31	1,545,590	1,204,301	1,078,037	1.10	9.64	5.68
2019-06-30	1,560,426	1,212,302	1,142,534	1.36	11.92	5.82
2019-09-30	1,605,691	1,249,333	1,143,879	1.37	12.07	5.77
2019-12-31	1,625,536	1,292,400	1,168,668	1.33	11.83	5.70
2020-03-31	1,849,083	1,485,503	1,319,841	0.94	8.59	5.28
2020-06-30	1,948,884	1,646,193	1,458,891	0.92	8.51	5.04
2020-09-30	2,038,814	1,683,862	1,573,325	1.11	10.34	4.92
2020-12-31	2,053,306	1,773,644	1,516,681	1.27	11.84	4.91
2021-03-31	2,137,078	1,854,558	1,514,091	1.47	14.05	4.44
2021-06-30	2,137,147	1,849,900	1,459,468	1.55	14.72	4.52
2021-09-30	2,176,659	1,871,258	1,459,475	1.55	14.62	4.50
2021-12-31	2,238,851	1,935,422	1,450,092	1.45	13.72	4.45
2022-03-31	2,278,285	1,992,122	1,447,054	1.12	11.02	4.04
2022-06-30	2,315,676	2,028,229	1,522,577	1.21	12.14	4.22
2022-09-30	2,319,899	2,042,357	1,560,113	1.21	12.55	4.41
2022-12-31	2,312,638	2,026,662	1,609,973	1.39	14.40	4.57
2023-03-31	2,420,139	2,016,711	1,658,888	1.19	12.68	4.68
2023-06-30	2,398,078	2,013,365	1,683,335	1.18	12.54	4.60
2023-09-30	2,400,726	2,043,749	1,703,568	1.14	12.17	4.59
2023-12-31	2,416,783	2,080,784	1,716,994	1.09	11.48	4.58
2024-03-31	2,448,912	2,101,571	1,800,292	0.67	6.73	4.31
2024-06-30	2,469,328	2,117,630	1,857,222	0.80	8.02	4.31
2024-09-30	2,528,547	2,146,199	1,912,790	0.86	8.55	4.31
2024-12-31	2,542,660	2,181,630	1,900,680	0.91	9.07	4.33
2025-03-31	2,591,080	2,225,409	1,930,139	0.94	9.28	4.29
2025-06-30	2,664,010	2,261,271	1,996,507	1.12	10.72	4.37
2025-09-30	2,686,839	2,306,041	2,000,615	1.16	10.79	4.43
2025-12-31	2,744,329	2,354,756	2,054,288	1.15	10.60	4.45
2026-03-31	2,790,564	2,410,464	2,090,903	1.14	10.01	4.45
2026-06-30	2,787,917	2,380,827	2,119,569	1.27	11.04	4.55

Structure and branch footprint

32 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-01-01	1	947628	928421
2014-03-22	1	436823	928421
1979-09-21	1	377225	928421

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.