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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Interest income    
Interest and fees on loans $ 32,382 $ 29,586
Interest on interest-bearing deposits in other banks 502 259
Interest and dividends on securities    
U.S. treasury, government agencies and corporations 289 602
Mortgage-backed securities 1,394 886
Tax-exempt obligations of states and political subdivisions 911 883
Taxable obligations of states and political subdivisions 195 184
Corporate and other 315 308
Total interest income 35,988 32,708
Interest expense    
Savings and interest-bearing deposits 1,805 1,614
Time deposits 7,964 6,916
Borrowings 859 722
Trust preferred capital notes 350 298
Total interest expense 10,978 9,550
Net interest income 25,010 23,158
Provision for credit losses 3,000 3,500
Net interest income after provision for credit losses 22,010 19,658
Noninterest income    
Gains on sales of loans 1,847 1,288
Interchange income 1,475 1,475
Service charges on deposit accounts 990 1,047
Investment income from other equity interests 207 167
Mortgage banking fee income 570 479
Wealth management services income, net 732 731
Mortgage lender services income 536 503
Other service charges and fees 498 396
Other income (loss), net 718 1,406
Total noninterest income 7,573 7,492
Noninterest expenses    
Salaries and employee benefits 13,483 14,252
Occupancy 2,193 2,132
Data processing 2,866 2,829
Professional fees 921 915
Insurance expense 491 406
Marketing and advertising expenses 529 168
Loan processing and collection expenses 683 628
Other 1,893 1,820
Total noninterest expenses 23,059 23,150
Income before income taxes 6,524 4,000
Income tax expense 1,129 565
Net income 5,395 3,435
Less net income attributable to noncontrolling interest 27 34
Net income attributable to C&F Financial Corporation $ 5,368 $ 3,401
Net income per share - basic (in dollars per share) $ 1.66 $ 1.01
Net income per share - diluted (in dollars per share) $ 1.66 $ 1.01