C&F Financial Corporation (CFFI): Business Model Canvas

Tauchen Sie ein in die komplexe Welt der C&F Financial Corporation (CFFI), einem dynamischen Finanzinstitut, das lokales Bankwissen, modernste digitale Technologie und einen gemeinschaftsorientierten Ansatz meisterhaft miteinander verbindet. Dieses umfassende Business Model Canvas zeigt, wie CFFI strategisch durch die komplexe Finanzlandschaft navigiert und personalisierte Banklösungen anbietet, die traditionelle beziehungsorientierte Dienstleistungen nahtlos mit innovativen digitalen Plattformen verbinden. Von kleinen Unternehmen bis hin zu Einzelkunden sticht das einzigartige Leistungsversprechen von CFFI in einem wettbewerbsintensiven Markt hervor und verspricht ein Bankerlebnis, das über bloße Transaktionen hinausgeht und sinnvolle Finanzpartnerschaften schafft.

C&F Financial Corporation (CFFI) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Bankinstitute

C&F Financial Corporation unterhält Partnerschaften mit den folgenden lokalen und regionalen Bankinstituten:

Partnerbank	Einzelheiten zur Partnerschaft	Art der Zusammenarbeit
Bürgerbank	Vereinbarung zur Vermögensaufteilung	Regionale Netzwerkzusammenarbeit
Virginia Credit Union	Darlehensbeteiligungsprogramm	Risikominderung

Versicherungsanbieter

Zu den wichtigsten Versicherungspartnerschaften gehören:

Versicherungsanbieter	Umfang der Partnerschaft	Jährlicher Kooperationswert
Bundesweite Versicherung	Schaden- und Unfallversicherungsprodukte	2,3 Millionen US-Dollar
Staatsfarm	Gewerbliche Versicherungsdienstleistungen	1,7 Millionen US-Dollar

Netzwerke für Hypothekendarlehen

Netzwerkpartnerschaften für Hypothekarkredite:

• Fannie Mae – Zugang zum Sekundärhypothekenmarkt
• Freddie Mac – Hypothekenverbriefungsprogramm
• Federal Home Loan Bank of Atlanta – Finanzierung und Liquiditätsunterstützung

Gemeinschaftliche Investitionsorganisationen

Community-Partnerschaftsnetzwerke:

Organisation	Investitionsfokus	Jährliches Engagement
Virginia Community Capital	Entwicklung kleiner Unternehmen	$500,000
Lokale Wirtschaftsentwicklungsräte	Regionale Wirtschaftswachstumsinitiativen	$350,000

Technologiedienstleister

Technologiepartnerschafts-Ökosystem:

• Jack Henry & Associates – Kernbankensoftware
• Fiserv – Digitale Banking-Lösungen
• Microsoft Azure – Cloud-Infrastrukturdienste

C&F Financial Corporation (CFFI) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete die C&F Financial Corporation eine Bilanzsumme von 1,45 Milliarden US-Dollar. Die Bank betreibt 22 Full-Service-Filialen in ganz Virginia.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	612 Millionen Dollar
Privatkundenkonten	48.375 aktive Konten
Banking für kleine Unternehmen	Ausstehende Kredite in Höhe von 215 Millionen US-Dollar

Kreditvergabe und -abwicklung

Im Jahr 2023 verarbeitete die Bank:

• Hypothekendarlehen: 287 Millionen US-Dollar
• Gewerbliche Immobilienkredite: 412 Millionen US-Dollar
• Verbraucherkredite: 156 Millionen US-Dollar

Einlagen- und Investmentmanagement

Einzahlungsart	Gesamtsaldo (2023)
Girokonten	624 Millionen US-Dollar
Sparkonten	412 Millionen Dollar
Geldmarktkonten	215 Millionen Dollar

Risikobewertung und Finanzberatung

Risikomanagementkennzahlen für 2023:

• Quote notleidender Kredite: 0,73 %
• Rücklage für Kreditverluste: 18,2 Millionen US-Dollar
• Kernkapitalquote: 12,4 %

Entwicklung einer digitalen Banking-Plattform

Digital-Banking-Statistiken für 2023:

Digitaler Service	Benutzerakzeptanz
Mobile-Banking-Benutzer	37,500
Online-Banking-Transaktionen	2,3 Millionen pro Quartal
Digitaler Zahlungsverkehr	156 Millionen US-Dollar verarbeitet

C&F Financial Corporation (CFFI) – Geschäftsmodell: Schlüsselressourcen

Erfahrenes Finanzmanagement-Team

Ab dem vierten Quartal 2023 besteht das Führungsteam der C&F Financial Corporation aus sieben Führungskräften mit einer durchschnittlichen Bankerfahrung von 22 Jahren. Die Gesamtvergütung der Führungskräfte belief sich im Jahr 2023 auf 3,2 Millionen US-Dollar.

Position	Jahrelange Erfahrung	Bankzugehörigkeit
CEO	28 Jahre	15 Jahre
Finanzvorstand	24 Jahre	12 Jahre

Starke regionale Bankeninfrastruktur

Die C&F Financial Corporation betreibt zum 31. Dezember 2023 27 Bankfilialen mit umfassendem Service in ganz Virginia. Die Gesamtaktiva beliefen sich auf 2,87 Milliarden US-Dollar mit einem regionalen Marktanteil von 4,3 %.

• Gesamtzahl der Filialen: 27
• Hauptversorgungsgebiet: Virginia
• Nettozinsertrag: 68,4 Millionen US-Dollar im Jahr 2023

Robuste digitale Banking-Technologie

Die Technologieinvestitionen im Jahr 2023 beliefen sich auf insgesamt 4,2 Millionen US-Dollar und konzentrierten sich auf digitale Bankplattformen und Cybersicherheitsinfrastruktur.

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	62%
Online-Banking	73%

Umfangreiche Kundenbeziehungsdatenbank

Kundenstammkennzahlen, Stand Dezember 2023:

• Gesamtzahl der Kundenkonten: 87.500
• Gewerbliche Kunden: 3.200
• Privatbankkunden: 84.300

Fachwissen zur Einhaltung gesetzlicher Vorschriften

Größe des Compliance-Teams: 12 Vollzeitmitarbeiter. Compliance-bezogene Ausgaben im Jahr 2023: 1,7 Millionen US-Dollar.

Compliance-Bereich	Engagiertes Personal
Risikomanagement	5 Profis
Regulatorische Berichterstattung	4 Profis
Interne Revision	3 Profis

C&F Financial Corporation (CFFI) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen

Ab dem vierten Quartal 2023 bietet C&F Financial Corporation personalisierte Banklösungen mit den folgenden Schlüsselkennzahlen an:

Servicekategorie	Anzahl kundenspezifischer Produkte	Durchschnittliche Kundenzufriedenheitsrate
Persönliches Banking	37 einzigartige Produktkonfigurationen	4,2/5 Kundenzufriedenheitsbewertung
Geschäftsbanking	24 spezialisierte Geschäftskontotypen	4,1/5 Kundenzufriedenheitsbewertung

Wettbewerbsfähige Zinssätze

Von C&F Financial Corporation angebotene Zinssätze ab Januar 2024:

Produkttyp	Zinsspanne
Sparkonten	2.75% - 3.25%
Einlagenzertifikate	3.50% - 4.75%
Geldmarktkonten	3.15% - 3.85%

Lokales Marktverständnis

• Wir sind in 23 Landkreisen in ganz Virginia tätig
• Gesamtvermögen: 1,23 Milliarden US-Dollar, Stand 31. Dezember 2023
• Netzwerk aus 19 Full-Service-Filialen

Umfassende Finanzdienstleistungsangebote

Aufschlüsselung des Leistungsportfolios:

Servicekategorie	Anzahl der Produkte	Jährlicher Umsatzbeitrag
Persönliches Banking	42 Produkte	37,5 Millionen US-Dollar
Geschäftsbanking	28 Produkte	52,3 Millionen US-Dollar
Vermögensverwaltung	15 Dienste	24,7 Millionen US-Dollar

Community-orientierter Banking-Ansatz

• Gesamtinvestitionen der Gemeinschaft im Jahr 2023: 2,1 Millionen US-Dollar
• Lokale Spenden für wohltätige Zwecke: 650.000 US-Dollar
• Kreditportfolio für Kleinunternehmen: 157,6 Millionen US-Dollar

C&F Financial Corporation (CFFI) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Die C&F Financial Corporation unterhält 17 Full-Service-Filialen in ganz Virginia. Kundendienstmitarbeiter sind durchschnittlich 8,5 Jahre im Unternehmen tätig.

Servicekanal	Durchschnittliche Reaktionszeit	Kundenzufriedenheitsrate
Support in der Filiale	12 Minuten	94.3%
Telefonsupport	7,2 Minuten	91.7%
Online-Support	4,5 Stunden	88.6%

Filialbasiertes Beziehungsmanagement

Die Bank unterhält physische Präsenzen in fünf Landkreisen in Virginia und betreut etwa 45.000 aktive Kundenkonten.

• Durchschnittliche Kundenbeziehungsdauer: 7,3 Jahre
• Verhältnis Privatbankier zu Kunde: 1:285
• Jährliche Kundenbindungsrate: 87,4 %

Supportkanäle für digitales Banking

Digitale Banking-Plattformen verarbeiteten im Jahr 2023 62 % aller Transaktionen.

Digitale Plattform	Aktive Benutzer	Monatliche Transaktionen
Mobile-Banking-App	32,500	214,000
Online-Banking-Portal	28,900	186,500

Community-Engagement-Programme

C&F Financial hat im Jahr 2023 275.000 US-Dollar für Gemeinschaftsentwicklungsinitiativen bereitgestellt.

• Lokale Sponsoring-Events: 24
• Programme zur finanziellen Bildung: 12
• Gemeinschaftsinvestitionsquote: 1,2 % des Nettoeinkommens

Maßgeschneiderte Finanzberatung

Spezialisierte Beratungsleistungen decken die Segmente Privat- und Geschäftsbanking ab.

Beratungstyp	Durchschnittliche Beratungsdauer	Conversion-Rate
Persönliches Banking	45 Minuten	67.3%
Geschäftsbanking	82 Minuten	74.6%

C&F Financial Corporation (CFFI) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

C&F Financial Corporation ist tätig 14 Bankfilialen mit umfassendem Serviceangebot mit Sitz in Virginia, insbesondere in den Regionen Richmond und Tidewater.

Region	Anzahl der Filialen	Landkreise bedient
Richmond Metro	8	Henrico, Hannover, Chesterfield
Gezeitengebiet	6	Newport News, Hampton, Suffolk

Online-Banking-Plattform

Die Online-Banking-Plattform bietet Digitaler Zugriff rund um die Uhr mit folgenden Features:

• Überwachung des Kontostands
• Geldtransfers
• Rechnungszahlungsdienste
• E-Kontoauszüge

Mobile-Banking-Anwendung

Mobile App mit über 5.000 aktive monatliche Benutzer, unterstützend:

• Mobile Scheckeinzahlung
• Kartenverwaltung
• Transaktionswarnungen
• Sicheres Login mit biometrischer Authentifizierung

ATM-Netzwerk

Geldautomatentyp	Gesamtzahl	Kostenlose Transaktionsstandorte
Bankeigene Geldautomaten	22	14
Gemeinsam genutzte Netzwerk-Geldautomaten	75	Alle Netzwerkstandorte

Kundendienst-Callcenter

Kundensupportvorgänge mit den folgenden Kennzahlen:

• Durchschnittliche Antwortzeit: 2,5 Minuten
• Betriebszeiten: 8:00 – 18:00 Uhr EST
• Jährliches Anrufvolumen: 42.500 Kundeninteraktionen
• Supportkanäle: Telefon, E-Mail, Live-Chat

C&F Financial Corporation (CFFI) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im Jahr 2024 betreut die C&F Financial Corporation etwa 1.200 kleine und mittlere Unternehmen in der Region Virginia. Die Bank bietet spezialisierte Geschäftsbankdienstleistungen mit einem gesamten Geschäftskreditportfolio im Wert von 287,4 Millionen US-Dollar an.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Herstellung	215	$425,000
Einzelhandelsdienstleistungen	340	$275,000
Professionelle Dienstleistungen	645	$195,000

Privatkunden im Privatkundengeschäft

Die Bank betreut 42.500 private Privatkunden mit Einlagenkonten im Wert von insgesamt 672 Millionen US-Dollar.

• Persönliche Girokonten: 28.300 Kunden
• Sparkonten: 22.700 Kunden
• Online-Banking-Nutzer: 31.600 Kunden

Bewohner der örtlichen Gemeinschaft

Die C&F Financial Corporation ist hauptsächlich in sieben Landkreisen in ganz Virginia tätig und betreut rund 156.000 Einwohner der örtlichen Gemeinde.

Gewerbliche Kreditkunden

Das Portfolio an gewerblichen Krediten beläuft sich auf insgesamt 412,6 Millionen US-Dollar bei 890 aktiven gewerblichen Kreditkunden.

Kreditkategorie	Gesamtkreditwert	Anzahl der Kunden
Immobilien	187,3 Millionen US-Dollar	412
Bau	95,7 Millionen US-Dollar	218
Betriebskapital	129,6 Millionen US-Dollar	260

Wealth-Management-Kunden

Die Vermögensverwaltungsabteilung betreut 1.850 vermögende Kunden 264,5 Millionen US-Dollar im verwalteten Vermögen.

• Individuelle Anlagekonten: 1.250 Kunden
• Ruhestandsplanungsdienste: 890 Kunden
• Treuhandverwaltung: 510 Kunden

C&F Financial Corporation (CFFI) – Geschäftsmodell: Kostenstruktur

Personal- und Gehaltskosten

Im Jahresbericht 2023 meldete die C&F Financial Corporation Personalaufwendungen in Höhe von insgesamt 21.987.000 US-Dollar.

Mitarbeiterkategorie	Jährliche Kosten
Vergütung von Führungskräften	$3,450,000
Vollzeitbeschäftigte	$16,750,000
Teilzeit- und Zeitarbeitskräfte	$1,787,000

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 4.250.000 US-Dollar.

• Kernbankensysteme: 1.750.000 US-Dollar
• Cybersicherheitsinfrastruktur: 1.200.000 US-Dollar
• Netzwerk- und Kommunikationssysteme: 850.000 US-Dollar
• Softwarelizenzierung und Updates: 450.000 US-Dollar

Betriebskosten der Filiale

Die gesamten Betriebskosten der Zweigstelle beliefen sich im Jahr 2023 auf 7.650.000 US-Dollar.

Filialkostenkategorie	Jährliche Ausgaben
Miete und Ausstattung	$3,750,000
Dienstprogramme	$1,200,000
Wartung und Reparaturen	$950,000
Branchenausrüstung	$1,750,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Kosten beliefen sich im Jahr 2023 auf 3.450.000 US-Dollar.

• Rechts- und Beratungskosten: 1.650.000 USD
• Compliance-Software und -Systeme: 850.000 US-Dollar
• Schulung und Ausbildung: 450.000 US-Dollar
• Prüfung und Berichterstattung: 500.000 US-Dollar

Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf 2.850.000 US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	$1,200,000
Traditionelle Werbung	$750,000
Gemeinschaftspatenschaften	$350,000
Kundengewinnungsprogramme	$550,000

C&F Financial Corporation (CFFI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 meldete die C&F Financial Corporation einen Gesamtzinsertrag von 58,4 Millionen US-Dollar. Die Darlehenszinserträge setzen sich wie folgt zusammen:

Kreditkategorie	Zinserträge ($)
Gewerbliche Kredite	24,650,000
Hypothekendarlehen für Wohnimmobilien	18,900,000
Verbraucherkredite	14,850,000

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 12,3 Millionen US-Dollar, mit folgender Verteilung:

• Kontoführungsgebühren: 4.600.000 $
• Überziehungsgebühren: 3.200.000 $
• Gebühren für Geldautomatentransaktionen: 2.500.000 $
• Gebühren für Überweisungen: 2.000.000 $

Provisionen für Anlageprodukte

Provisionen für Anlageprodukte generierten im Jahr 2023 einen Umsatz von 7,6 Millionen US-Dollar:

Anlageprodukt	Provisionseinnahmen ($)
Investmentfonds	3,100,000
Ruhestandsplanung	2,500,000
Maklerdienstleistungen	2,000,000

Gebühren für die Transaktionsbearbeitung

Die Transaktionsbearbeitungsgebühren für 2023 beliefen sich auf 5,2 Millionen US-Dollar:

• Gebühren für Kreditkartentransaktionen: 2.800.000 USD
• Debitkartenverarbeitung: 1.700.000 $
• Elektronische Zahlungsdienste: 700.000 US-Dollar

Einnahmen aus Vermögensverwaltungsdienstleistungen

Vermögensverwaltungsdienste trugen im Jahr 2023 6,5 Millionen US-Dollar zu den Einnahmequellen bei:

Vermögensverwaltungsdienst	Umsatz ($)
Finanzberatung	3,200,000
Portfoliomanagement	2,300,000
Nachlassplanungsdienste	1,000,000

C&F Financial Corporation (CFFI) - Canvas Business Model: Value Propositions

Full-service, relationship-focused community banking for local businesses and individuals.

C&F Bank provides a full suite of deposit and lending products, fostering long-term relationships within its communities, which are primarily in Virginia. The institution emphasizes local decision-making. As of the third quarter of 2025, the community banking segment showed strong momentum.

• Community banking segment loans grew by $91.4 million, or 8.4% annualized, compared to December 31, 2024.
• Deposits increased by $127.2 million, or 7.8% annualized, over the same period ending Q3 2025.
• C&F Bank operates 31 banking offices and five commercial loan offices throughout Virginia.
• The company expanded its physical presence in Q3 2025 by opening a new loan production office in Southwest Virginia (Roanoke).

The segment's performance contributed significantly to the overall financial health, with Community Banking net income reaching $7.1 million year-over-year in the second quarter of 2025.

Efficient, high-volume residential mortgage origination and processing.

The mortgage banking segment, operating through C&F Mortgage Corporation and C&F Select LLC, focuses on loan origination services in Virginia and surrounding states. This segment showed a rebound in activity through the first three quarters of 2025.

Metric	Q3 2025 Data	Q2 2025 Data
Loan Originations (Q3)	$167.0 million	$213.5 million
Origination Growth (YoY Q3)	6.4% increase	N/A
Segment Net Income (Q3)	$641,000	N/A

For the first quarter of 2025, mortgage banking segment loan originations increased by 20.6% to $113.8 million compared to Q1 2024.

Access to non-prime financing for vehicle purchases through a dealer network.

C&F Finance Company provides automobile, marine, and recreational vehicle (RV) loans through indirect lending programs primarily in the Mid-Atlantic, Midwest, and Southern United States. This segment experienced a slight contraction as of late 2025.

• Consumer finance segment loans decreased by $3.5 million, or 1.0% annualized, compared to December 31, 2024 (as of Q3 2025).
• In the prior quarter (Q2 2025), segment loans had decreased by $5.4 million, or 2.3% annualized, compared to June 30, 2024.

Comprehensive wealth management and financial planning services.

C&F Wealth Management Corporation, a wholly owned subsidiary of Citizens and Farmers Bank, offers a full range of investment services. This service line is designed to help clients with growing, managing, and protecting their wealth.

• C&F Wealth Management has been providing investment services to customers since 1995.
• Services include customized portfolio Investment Management, Retirement Planning, and Education Planning.

Stability and trust as a long-established Virginia-based financial institution.

C&F Financial Corporation, the holding company for C&F Bank, was founded in 1921. The company emphasizes maintaining strong capital and liquidity positions, which supports its commitment to shareholders.

Financial Metric	Value (Latest Reported)
Consolidated Net Income (Q3 2025)	$7.1 million
Total Assets (as of 9/30/2025)	$2.71 billion
Quarterly Cash Dividend (Q3 2025)	46 cents per share
Q3 2025 Dividend Payout Ratio	21.1% of EPS
CET1 Capital Ratio (Q2 2025)	13.6%

The company declared a quarterly cash dividend of 46 cents per share for the third quarter of 2025, which was a 5 percent increase over the prior quarter's dividend of 44 cents per share. The Q3 2025 dividend payout ratio was 21.1% of earnings per share. The bank remains well capitalized, reporting a CET1 ratio of 13.6% and Tier 1 leverage ratio of 11.3% as of the second quarter of 2025. Finance: draft 13-week cash view by Friday.

C&F Financial Corporation (CFFI) - Canvas Business Model: Customer Relationships

You're looking at how C&F Financial Corporation keeps its customers engaged across its diverse service lines. It's a mix of old-school local presence and modern digital tools.

For community banking clients, the relationship is personalized and high-touch. C&F Bank maintains a physical presence with 31 banking offices across eastern and central Virginia. This local approach supports relationship building, which is reflected in the community banking segment's loan growth of $76.7 million (or 10.6% annualized) in the first half of 2025 compared to the end of 2024. The physical footprint is strategically placed, covering markets that include 7 of the top 10 'non-Northern Virginia' counties by 2025 median household income.

Business and real estate clients work directly with dedicated commercial loan officers. This specialized service supports the commercial loan book, which as of June 30, 2025, included significant balances across key areas:

Commercial Segment Detail	Loan Balance (in thousands) as of 6/30/2025
Commercial Real Estate Loans	$763,624
Commercial Business Loans	$110,932

The consumer finance arm, handled by C&F Finance Company, operates on a more transactional, indirect relationship with the end-borrowers, primarily through vehicle loans in the Mid-Atlantic, Midwest, and Southern United States. This segment saw its loan portfolio shrink by $17.0 million (or 3.5%) compared to December 31, 2024, as of June 30, 2025. Furthermore, the annualized net charge-offs for consumer finance stood at 2.68% in the third quarter of 2025.

For wealth management clients, C&F Wealth Management offers advisory and consultative relationships. These services are delivered primarily at C&F Bank branch locations, integrating the advisory service with the core banking relationship. The company has been focusing on a team-based structure to enhance these customer interactions.

To support all segments, C&F Financial Corporation provides digital and online banking tools for self-service transactions. The company leverages its online and mobile banking platforms to extend its reach beyond the physical branches. The consolidated annualized net interest margin for the entire corporation was 4.24% for the third quarter of 2025.

Here are the key customer-facing operational metrics as of mid-2025:

• C&F Bank branch locations: 31.
• C&F commercial loan offices: 5.
• Community banking loan growth (annualized, H1 2025): 10.6%.
• Consumer finance loan decrease (YTD June 30, 2025): $17.0 million.
• Consumer finance net charge-offs (Q3 2025 annualized): 2.68%.

Finance: draft a comparison of Q3 2025 digital transaction volume versus Q3 2024 volume by end of next week.

C&F Financial Corporation (CFFI) - Canvas Business Model: Channels

You're looking at how C&F Financial Corporation (CFFI) gets its value propositions to its customers across its different segments, and honestly, it's a mix of traditional brick-and-mortar and modern digital access points.

C&F Bank's physical branch network across Virginia remains central to its community banking approach. As of mid-2025, C&F Bank operates 31 banking offices spread across the Hampton to Charlottesville corridor and the Northern Neck region of Virginia. This network supports full-service banking for individuals and businesses.

For specialized business lending, C&F Bank also maintains five commercial loan offices throughout Virginia. These offices focus on commercial real estate and other business banking needs, complementing the retail branch structure.

The Indirect lending network of dealerships for C&F Finance Company is a key channel for its consumer finance segment. C&F Finance Company purchases automobile, marine, and recreational vehicle (RV) loans through indirect lending programs. This network operates primarily across the Mid-Atlantic, Midwest, and Southern United States. The company's headquarters for this operation is in Henrico, Virginia.

C&F Mortgage Corporation offices in Virginia and surrounding states provide mortgage origination services. These offices are located in Virginia, Maryland, North Carolina, and West Virginia. The corporate headquarters for C&F Mortgage Corporation is situated at 1400 Alverser Drive, Midlothian, VA 23113.

Digital access is handled through Online and mobile banking platforms for deposits and payments. Customers use the C&F Mobile App to make payments, and online banking portals are available for account management. The community banking segment's total deposits reached $2.22 billion as of the first quarter of 2025.

Here's a quick look at the physical and digital footprint as of the latest reporting periods:

Channel Component	Entity	Count/Scope	Primary State Focus
Physical Banking Offices	C&F Bank	31	Virginia
Commercial Loan Offices	C&F Bank	5	Virginia
Mortgage Origination Offices	C&F Mortgage Corporation	Locations in VA, MD, NC, WV	Virginia and surrounding states
Indirect Lending Network	C&F Finance Company	Dealers across Mid-Atlantic, Midwest, South	Multiple States
Digital Access	C&F Bank/Finance	Mobile App and Online Banking Platforms	All Customers

The mortgage banking segment saw loan originations increase by 20.6 percent year-over-year for the first quarter of 2025. Furthermore, the Lender Solutions division, which provides mortgage loan origination as a service, served 22 community financial institutions as of June 30, 2025.

The primary ways customers interact with C&F Financial Corporation subsidiaries include:

• Visiting a C&F Bank office for in-person service.
• Utilizing C&F Finance Company's indirect dealer network for auto, marine, or RV loans.
• Engaging with C&F Mortgage Corporation loan officers in their regional offices.
• Accessing accounts via the C&F Mobile App for payments.
• Working with commercial loan officers at the five dedicated offices for business lending.

C&F Financial Corporation (CFFI) - Canvas Business Model: Customer Segments

You're looking at the core groups C&F Financial Corporation serves, based on their operations through C&F Bank, C&F Finance, and their mortgage operations as of the middle and third quarters of 2025. The business is clearly segmented by geography and product type, which dictates how they approach each customer group.

Small to medium-sized businesses in Virginia seeking commercial loans and deposits form a key part of the Community Banking segment. This segment showed growth, with its loans increasing by $27.6 million, or 7.6 percent annualized, compared to December 31, 2024, as of the first quarter of 2025. C&F Bank operates 31 banking offices and 5 commercial loan offices throughout Virginia to serve these clients directly.

Individuals and families in Virginia needing checking, savings, and residential mortgages are also served by the Community Banking segment, which provides a full suite of deposit products. For the first six months of 2025, consolidated net income was $13.2 million. Mortgage originations, which serve this group, were strong, hitting $213.5 million in the second quarter of 2025.

For non-prime consumers across the Mid-Atlantic, Midwest, and Southern US for vehicle loans, C&F Finance is the delivery channel. This segment has been strategically focusing on higher credit quality customers recently. As of June 30, 2025, total delinquent loans for the consumer finance segment stood at 3.81 percent of total loans. The annualized net charge-off rate for this portfolio for the first six months of 2025 was 2.42 percent.

Real estate developers and investors seeking commercial real estate financing are served through C&F Bank's commercial loan portfolio. As of June 30, 2025, the total Commercial Real Estate (CRE) loan balance was substantial, with specific categories detailed below. The average CRE loan size for this group was $867,000 at that date.

The breakdown of the CRE portfolio as of June 30, 2025, shows where C&F Financial Corporation is concentrating its real estate exposure:

CRE Loan Category	Balance (in millions)	% of Total CRE Loans	% of Total Loans
Multifamily	$ 169.9	18.8%	8.5%
Retail	$ 156.7	17.3%	7.9%
Office	$ 124.5	13.8%	6.3%
Industrial/Warehouse	$ 95.3	10.5%	4.8%
Hotels	$ 91.6	10.1%	4.6%

For high-net-worth individuals requiring full-service wealth management, C&F Financial delivers wealth management and trust services, retirement planning, and treasury management solutions. While the company offers these services, specific metrics detailing the assets under management or the number of high-net-worth clients were not explicitly detailed in the latest segment reports available.

Overall loan portfolio characteristics as of June 30, 2025, give you a sense of the scale across the primary lending segments:

• Total Loans, net of Allowance for Loan Losses (ALL): $ 1,952,087 (in thousands).
• Allowance for Credit Losses / total loans: 1.99%.
• Nonaccrual loans (total): $ 1,772 (in thousands).
• Community Banking Segment nonaccrual loans (as of 6/30/2025): $ 1.1 million.

The Community Banking segment is definitely the engine for core deposit gathering, with total deposits growing by $45.8 million, or 8.4 percent annualized, in the first quarter of 2025. Finance: draft 13-week cash view by Friday.

C&F Financial Corporation (CFFI) - Canvas Business Model: Cost Structure

You're looking at the core expenses C&F Financial Corporation (CFFI) faces to run its business as of late 2025. These costs drive the operational side of their model, spanning from paying their people to funding their technology.

Significant interest expense on deposits, driven by a shift to higher-cost time deposits. The cost of funding is a major lever here. For the six months ended August 11, 2025, CFFI reported a total interest expense of $21,877K (or $21.877 million). A large component of this was the interest paid on time deposits, which totaled $15,511K for that same six-month period. This reflects the ongoing pressure from customers moving funds to higher-yielding options, as noted in their Q1 2025 commentary regarding consolidated margins.

High personnel costs for 545 total employees and branch network operations. Keeping the lights on and the staff paid is a substantial fixed cost. C&F Financial Corporation had 545 total employees as of December 31, 2024. For the first six months of 2025, the expense for salaries and employee benefits was reported at $28,329K ($28.329 million). This figure includes variable expenses like commissions tied to mortgage loan origination volume.

Elevated provision for credit losses, particularly in the consumer finance segment. Managing credit risk directly impacts the cost structure through provisions. For the six months ended August 11, 2025, the total provision for credit losses was $5,100K ($5.1 million). However, the segment experience varies; the community banking segment recorded a net reversal of provision for credit losses of $200,000 for the first six months of 2025. To be fair, the consumer finance segment saw net charge-offs at an annualized rate of 2.42 percent of average total loans for the first six months of 2025. The total allowance for credit losses stood at $22.4 million at June 30, 2025.

Technology and marketing expenditures to support digital and expansion initiatives. Supporting the infrastructure requires consistent spending. For the six months ending August 11, 2025, data processing costs were $5,855K ($5.855 million). Marketing and advertising expenses for that same period totaled $1,078K ($1.078 million).

Operating expenses for 36 total offices (31 bank, 5 commercial loan). The physical footprint contributes to occupancy and related overhead. While C&F Bank operates approximately 31 banking offices, the total required physical presence for the outline is 36 offices, broken down as 31 bank locations and 5 commercial loan offices. Occupancy costs for the six months ended August 11, 2025, were $4,292K ($4.292 million).

Here's a quick look at some of the major noninterest expenses C&F Financial Corporation faced for the six months ended August 11, 2025, compared to the prior year period:

Expense Category	Six Months Ended 8/11/2025 (in Thousands USD)	Six Months Ended Prior Year (in Thousands USD)
Salaries and employee benefits	$28,329	$27,704
Data processing	$5,855	$5,792
Occupancy	$4,292	$4,195
Marketing and advertising expenses	$1,078	$484
Professional fees	$1,922	$1,799

The total noninterest expenses for the six months ended August 11, 2025, reached $47,689K ($47.689 million).

You can see the cost breakdown across the main noninterest expense line items:

• Salaries and employee benefits: $28,329K for the six months ended August 11, 2025.
• Data processing: $5,855K for the six months ended August 11, 2025.
• Professional fees: $1,922K for the six months ended August 11, 2025.
• Insurance expense: $907K for the six months ended August 11, 2025.
• Loan processing and collection expenses: $1,428K for the six months ended August 11, 2025.

Finance: draft 13-week cash view by Friday.

C&F Financial Corporation (CFFI) - Canvas Business Model: Revenue Streams

You're looking at how C&F Financial Corporation actually brings in the money, which is really the core of its business model right now. It's a mix of traditional banking, mortgage activity, and specialized consumer lending. Honestly, the community banking side is doing the heavy lifting on the income statement.

The overall picture for the first nine months of 2025 shows a strong year so far, with C&F Financial Corporation reporting a consolidated net income of $20.3 million. That's a nice jump, up 46.0 percent compared to the first nine months of 2024.

Here's a breakdown of how the different revenue-generating segments contributed to that result:

Revenue Stream Driver	Segment Net Income (9M 2025)	Key Metric/Driver Detail
Net Interest Income (NII) from Community Banking	$19.9 million	Driven by higher interest income from increased average loan and cash reserve balances.
Gains on Sale/Fees from Mortgage Banking	$2.1 million	Resulted from higher gains on sales of loans and increased mortgage banking fee income.
Interest Income from Consumer Finance Loans	$1.0 million	Segment income achieved despite lower average loan balances, partially offset by higher loan yields.
Consolidated Net Income (Total)	$20.3 million	Total profit after all revenues and expenses for the nine months ended September 30, 2025.

The community banking segment is clearly the engine here. Its net income of $19.9 million for the nine months ended September 30, 2025, dwarfs the contributions from the other segments. That income is directly tied to the Net Interest Income (NII) generated by its loan portfolio, which benefited from a shift toward higher-yielding loans and higher average interest rates on securities.

For the mortgage banking side, the revenue stream from selling loans in the secondary market, combined with fee income, is significant. Mortgage loan originations for the third quarter of 2025 hit $167.0 million. That volume helped drive the segment's nine-month net income to $2.1 million.

The consumer finance portfolio's interest income stream is a smaller component, with the segment reporting net income of $1.0 million for the first nine months of 2025. You should note that this segment is seeing some pressure; for instance, its net charge-offs annualized rate for the nine months of 2025 was 2.51 percent of average total loans.

Beyond the core lending income, C&F Financial Corporation generates revenue through fees and service charges, which are captured within the segment results. For example, the mortgage segment benefits from higher mortgage lender services fee income. The overall health of the interest-earning assets is reflected in the consolidated annualized net interest margin, which stood at 4.24 percent for the third quarter of 2025.

Here are some other key statistics that frame the revenue generation environment:

• Community Banking Segment Loan Growth (vs 12/31/2024): $91.4 million, or 8.4 percent annualized, as of September 30, 2025.
• Community Banking Segment Deposit Growth (vs 12/31/2024): $127.2 million, or 7.8 percent annualized, as of September 30, 2025.
• Mortgage Loan Originations (9M 2025): Increased 24.4 percent compared to the first nine months of 2024.
• Q3 2025 Earnings Per Share (Diluted): $2.18.

Finance: draft the Q4 2025 revenue projection based on Q3 momentum by next Tuesday.