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CONSOLIDATED BALANCE SHEETS - USD ($)
Dec. 31, 2024
Dec. 31, 2023
Assets    
Cash and due from banks $ 16,163,000 $ 16,382,000
Interest-bearing deposits in other banks 49,423,000 58,777,000
Total cash and cash equivalents 65,586,000 75,159,000
Securities-available for sale at fair value, amortized cost of $448,616 and $494,092, respectively 418,625,000 462,444,000
Loans held for sale, at fair value 20,112,000 14,176,000
Loans, net of allowance for credit losses of $40,087 and $39,651, respectively 1,880,311,000 1,702,488,000
Restricted stock, at cost 3,592,000 2,925,000
Corporate premises and equipment, net 40,118,000 41,914,000
Other real estate owned, net of valuation allowance of $215 and $0, respectively 1,316,000 0
Accrued interest receivable 10,592,000 10,398,000
Goodwill 25,191,000 25,191,000
Other intangible assets, net 1,147,000 1,407,000
Bank-owned life insurance 21,191,000 21,464,000
Net deferred tax asset 17,719,000 18,731,000
Other assets 57,874,000 62,201,000
Total assets 2,563,374,000 2,438,498,000
Deposits    
Noninterest-bearing demand deposits 526,069,000 549,367,000
Savings and interest-bearing demand deposits 826,462,000 843,564,000
Time deposits 818,329,000 673,199,000
Total deposits 2,170,860,000 2,066,130,000
Short-term borrowings 28,994,000 58,223,000
Long-term borrowings 68,158,000 25,894,000
Trust preferred capital notes 25,457,000 25,422,000
Accrued interest payable 4,403,000 3,493,000
Other liabilities 38,532,000 41,820,000
Total liabilities 2,336,404,000 2,220,982,000
Commitments and contingent liabilities (Note 18)
Equity    
Common stock ($1.00 par value, 8,000,000 shares authorized, 3,233,672 and 3,374,098 shares issued and outstanding, respectively, includes 119,778 and 135,694 of unvested shares, respectively) 3,114,000 3,238,000
Additional paid-in capital 36,000 6,567,000
Retained earnings 247,814,000 233,760,000
Accumulated other comprehensive loss, net (24,604,000) (26,687,000)
Equity attributable to C&F Financial Corporation 226,360,000 216,878,000
Noncontrolling interest 610,000 638,000
Total equity 226,970,000 217,516,000
Total liabilities and equity $ 2,563,374,000 $ 2,438,498,000