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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
Assets    
Cash and due from banks $ 13,468 $ 16,163
Interest-bearing deposits in other banks 62,490 49,423
Total cash and cash equivalents 75,958 65,586
Securities-available for sale at fair value, amortized cost of $455,669 and $448,616, respectively 431,513 418,625
Loans held for sale, at fair value 27,278 20,112
Loans, net of allowance for credit losses of $40,043 and $40,087, respectively 1,903,283 1,880,311
Restricted stock, at cost 3,680 3,592
Corporate premises and equipment, net 39,580 40,118
Other real estate owned, net of valuation allowance of $215 and $215, respectively 1,316 1,316
Accrued interest receivable 10,598 10,592
Goodwill 25,191 25,191
Other intangible assets, net 1,084 1,147
Bank-owned life insurance 21,309 21,191
Net deferred tax asset 16,593 17,719
Other assets 55,147 57,874
Total assets 2,612,530 2,563,374
Deposits    
Noninterest-bearing demand deposits 579,638 526,069
Savings and interest-bearing demand deposits 809,449 826,462
Time deposits 827,567 818,329
Total deposits 2,216,654 2,170,860
Short-term borrowings 35,909 28,994
Long-term borrowings 58,080 68,158
Trust preferred capital notes 25,466 25,457
Accrued interest payable 3,931 4,403
Other liabilities 37,219 38,532
Total liabilities 2,377,259 2,336,404
Commitments and contingent liabilities (Note 11)
Equity    
Common stock ($1.00 par value, 8,000,000 shares authorized, 3,235,781 and 3,233,672 shares issued and outstanding, respectively, includes 113,808 and 119,778 of unvested shares, respectively) 3,123 3,114
Additional paid-in capital 108 36
Retained earnings 251,694 247,814
Accumulated other comprehensive loss, net (20,291) (24,604)
Equity attributable to C&F Financial Corporation 234,634 226,360
Noncontrolling interest 637 610
Total equity 235,271 226,970
Total liabilities and equity $ 2,612,530 $ 2,563,374