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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Jun. 30, 2025
Dec. 31, 2024
Assets    
Cash and due from banks $ 17,906 $ 16,163
Interest-bearing deposits in other banks 62,289 49,423
Total cash and cash equivalents 80,195 65,586
Securities-available for sale at fair value, amortized cost of $459,702 and $448,616, respectively 434,506 418,625
Loans held for sale, at fair value 44,757 20,112
Loans, net of allowance for credit losses of $39,578 and $40,087, respectively 1,952,087 1,880,311
Restricted stock, at cost 4,250 3,592
Corporate premises and equipment, net 39,329 40,118
Other real estate owned, net of valuation allowance of $215 and $215, respectively 1,316 1,316
Accrued interest receivable 10,934 10,592
Goodwill 25,191 25,191
Other intangible assets, net 1,022 1,147
Bank-owned life insurance 21,426 21,191
Net deferred tax asset 16,877 17,719
Other assets 54,502 57,874
Total assets 2,686,392 2,563,374
Deposits    
Noninterest-bearing demand deposits 555,759 526,069
Savings and interest-bearing demand deposits 857,613 826,462
Time deposits 842,942 818,329
Total deposits 2,256,314 2,170,860
Short-term borrowings 42,642 28,994
Long-term borrowings 78,018 68,158
Trust preferred capital notes 25,475 25,457
Accrued interest payable 4,072 4,403
Other liabilities 38,955 38,532
Total liabilities 2,445,476 2,336,404
Commitments and contingent liabilities (Note 11)
Equity    
Common stock ($1.00 par value, 8,000,000 shares authorized, 3,238,085 and 3,233,672 shares issued and outstanding, respectively, includes 108,498 and 119,778 of unvested shares, respectively) 3,130 3,114
Additional paid-in capital 588 36
Retained earnings 257,896 247,814
Accumulated other comprehensive loss, net (21,301) (24,604)
Equity attributable to C&F Financial Corporation 240,313 226,360
Noncontrolling interest 603 610
Total equity 240,916 226,970
Total liabilities and equity $ 2,686,392 $ 2,563,374