VA lenders / Community Bank
Citizens and Farmers Bank
Community Bank · West Point, VA · C&F Financial Corp
- Total assets
- $2.8B
- CRE loan book
- $1.0B
- QoQ CRE growth
- 1.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.52% as of Q1 2026 — TX bank median 4.87% (0.66pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.52% | 6.59% |
| Q4 2025 | 5.67% | 6.76% |
| Q3 2025 | 5.76% | 6.83% |
| Q2 2025 | 5.70% | 6.75% |
| Q1 2025 | 5.54% | 6.64% |
| Q4 2024 | 5.59% | 6.81% |
| Q3 2024 | 5.75% | 6.88% |
| Q2 2024 | 5.57% | 6.74% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.0B | $231.9M | $137.6M | 267% | $0 |
| Q4 2025 | $994.6M | $242.8M | $137.5M | 265% | $0 |
| Q3 2025 | $972.1M | $256.1M | $129.2M | 261% | $0 |
| Q2 2025 | $958.5M | $267.1M | $129.6M | 262% | $0 |
| Q1 2025 | $923.0M | $236.6M | $129.2M | 279% | $92,000 |
| Q4 2024 | $908.9M | $243.5M | $139.0M | 283% | $92,000 |
| Q3 2024 | $879.2M | $248.6M | $144.6M | 278% | $0 |
| Q2 2024 | $827.4M | $209.7M | $140.4M | 264% | $517,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Lowell Five Cent Savings BankCommunity Bank · Tewksbury · $1.0B CRE book
- Horizon Bank, SSBCommunity Bank · Austin · $1.0B CRE book
- First National BankCommunity Bank · Damariscotta · $1.0B CRE book
- Institution for Savings in Newburyport and Its VicinityCommunity Bank · Newburyport · $1.0B CRE book
- Frandsen Bank & TrustCommunity Bank · Lonsdale · $987.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.