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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2015
Dec. 31, 2014
Assets    
Cash and due from financial institutions $ 8,513us-gaap_CashAndDueFromBanks $ 7,962us-gaap_CashAndDueFromBanks
Federal funds sold 19,905us-gaap_FederalFundsSold 3,360us-gaap_FederalFundsSold
Cash and cash equivalents 28,418us-gaap_CashAndCashEquivalentsAtCarryingValue 11,322us-gaap_CashAndCashEquivalentsAtCarryingValue
Available-for-sale securities 58,913us-gaap_AvailableForSaleSecurities 58,986us-gaap_AvailableForSaleSecurities
Loans held for sale 310us-gaap_LoansHeldForSaleMortgages  
Loans, net of allowance for loan losses of $4,947 and $4,885 at March 31, 2015 and 2014, respectively 314,685us-gaap_LoansAndLeasesReceivableNetReportedAmount 313,592us-gaap_LoansAndLeasesReceivableNetReportedAmount
Premises and equipment, net 10,776us-gaap_PropertyPlantAndEquipmentNet 10,758us-gaap_PropertyPlantAndEquipmentNet
Bank owned life insurance (BOLI) 8,039us-gaap_BankOwnedLifeInsurance 7,993us-gaap_BankOwnedLifeInsurance
Federal Home Loan Bank (FHLB) stock, at cost 2,025us-gaap_FederalHomeLoanBankStock 2,025us-gaap_FederalHomeLoanBankStock
Accrued interest receivable 1,443us-gaap_InterestReceivable 1,527us-gaap_InterestReceivable
Deferred income taxes 1,350us-gaap_DeferredTaxAssetsLiabilitiesNet 1,479us-gaap_DeferredTaxAssetsLiabilitiesNet
Goodwill 4,097us-gaap_Goodwill 4,097us-gaap_Goodwill
Core deposit intangible 318czfc_FiniteLivedCoreDepositsNet 336czfc_FiniteLivedCoreDepositsNet
Other real estate owned 267us-gaap_OtherRealEstate 198us-gaap_OtherRealEstate
Other assets 491us-gaap_OtherAssets 501us-gaap_OtherAssets
Total Assets 431,132us-gaap_Assets 412,814us-gaap_Assets
Deposits    
Noninterest bearing 44,664us-gaap_NoninterestBearingDepositLiabilities 41,975us-gaap_NoninterestBearingDepositLiabilities
Savings, NOW and money market 153,781czfc_DepositsSavingsNOWAndMoneyMarket 148,935czfc_DepositsSavingsNOWAndMoneyMarket
Time 166,920us-gaap_TimeDeposits 150,874us-gaap_TimeDeposits
Total deposits 365,365us-gaap_Deposits 341,784us-gaap_Deposits
FHLB advances and other borrowings 19,500czfc_FederalHomeLoanBankAdvancesAndOtherBorrowingsLongTerm 25,500czfc_FederalHomeLoanBankAdvancesAndOtherBorrowingsLongTerm
Subordinated debentures 5,000us-gaap_SubordinatedDebt 5,000us-gaap_SubordinatedDebt
Accrued interest payable 242us-gaap_InterestPayableCurrentAndNoncurrent 231us-gaap_InterestPayableCurrentAndNoncurrent
Other liabilities 1,674us-gaap_OtherLiabilities 1,851us-gaap_OtherLiabilities
Total Liabilities 391,781us-gaap_Liabilities 374,366us-gaap_Liabilities
Stockholders' Equity    
6.5% cumulative convertible preferred stock; no par value, authorized 250 shares, aggregate liquidation preference of $7,998; issued and outstanding 250 shares at March 31, 2015 and December 31, 2014, respectively 7,659us-gaap_PreferredStockValue 7,659us-gaap_PreferredStockValue
Common stock, no par value, authorized 5,000,000 shares; issued and outstanding 1,968,777 shares at March 31, 2015 and 2014 27,072us-gaap_CommonStockValue 27,072us-gaap_CommonStockValue
Retained earnings 4,027us-gaap_RetainedEarningsAccumulatedDeficit 3,373us-gaap_RetainedEarningsAccumulatedDeficit
Accumulated other comprehensive income (loss) 593us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax 344us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
Total stockholders' equity 39,351us-gaap_StockholdersEquity 38,448us-gaap_StockholdersEquity
Total liabilities and stockholders' equity $ 431,132us-gaap_LiabilitiesAndStockholdersEquity $ 412,814us-gaap_LiabilitiesAndStockholdersEquity