C&F Financial Corporation (CFFI): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no intrincado mundo da C&F Financial Corporation (CFFI), uma instituição financeira dinâmica que tece magistralmente a experiência bancária local, a tecnologia digital de ponta e uma abordagem focada na comunidade. Esta abrangente modelo de negócios Canvas revela como a CFFI navega estrategicamente no cenário financeiro complexo, oferecendo soluções bancárias personalizadas que combinam perfeitamente serviços tradicionais orientados a relacionamentos com plataformas digitais inovadoras. De pequenas empresas a clientes individuais, a proposta de valor única da CFFI se destaca em um mercado competitivo, prometendo uma experiência bancária que vai além de meras transações para criar parcerias financeiras significativas.

C&F Financial Corporation (CFFI) - Modelo de negócios: Parcerias -chave

Instituições bancárias locais e regionais

A C&F Financial Corporation mantém parcerias com as seguintes instituições bancárias locais e regionais:

Banco Parceiro	Detalhes da parceria	Tipo de colaboração
Citizens Bank	Contrato de compartilhamento de ativos	Colaboração de rede regional
Virginia Credit Union	Programa de participação em empréstimo	Mitigação de risco

Provedores de seguros

As principais parcerias de seguro incluem:

Provedor de seguros	Escopo da parceria	Valor anual de colaboração
Seguro nacional	Produtos de seguro de propriedade e casualidade	US $ 2,3 milhões
State Farm	Serviços de seguro comercial	US $ 1,7 milhão

Redes de empréstimos hipotecários

Parcerias de rede de empréstimos hipotecários:

• Fannie Mae - acesso do mercado de hipotecas secundárias
• Freddie Mac - Programa de securitização de hipotecas
• Banco Federal de Empréstimos à Criação de Atlanta - Suporte de Financiamento e Liquidez

Organizações de investimento comunitário

Redes de parceria comunitária:

Organização	Foco de investimento	Compromisso anual
Capital comunitário da Virgínia	Desenvolvimento de pequenas empresas	$500,000
Conselhos de Desenvolvimento Econômico Locais	Iniciativas regionais de crescimento econômico	$350,000

Provedores de serviços de tecnologia

Ecossistema de Parceria Tecnológica:

• Jack Henry & Associados - Core Banking Software
• FISERV - Soluções bancárias digitais
• Microsoft Azure - Serviços de infraestrutura em nuvem

C&F Financial Corporation (CFFI) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

A partir do quarto trimestre de 2023, a C&F Financial Corporation registrou ativos totais de US $ 1,45 bilhão. O Banco opera 22 agências de serviço completo em toda a Virgínia.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 612 milhões
Contas bancárias de varejo	48.375 contas ativas
Bancos de pequenas empresas	US $ 215 milhões em empréstimos pendentes

Origem e processamento de empréstimos

Em 2023, o banco processou:

• Empréstimos hipotecários: US $ 287 milhões
• Empréstimos imobiliários comerciais: US $ 412 milhões
• Empréstimos ao consumidor: US $ 156 milhões

Gerenciamento de depósito e investimento

Tipo de depósito	Balanço Total (2023)
Contas de verificação	US $ 624 milhões
Contas de poupança	US $ 412 milhões
Contas do mercado monetário	US $ 215 milhões

Avaliação de risco e consultoria financeira

Métricas de gerenciamento de riscos para 2023:

• Taxa de empréstimo sem desempenho: 0,73%
• Reserva de perda de empréstimo: US $ 18,2 milhões
• Tier 1 Capital Ratio: 12,4%

Desenvolvimento da plataforma bancária digital

Estatísticas bancárias digitais para 2023:

Serviço digital	Adoção do usuário
Usuários bancários móveis	37,500
Transações bancárias online	2,3 milhões por trimestre
Transações de pagamento digital	US $ 156 milhões processados

C&F Financial Corporation (CFFI) - Modelo de negócios: Recursos -chave

Equipe de gestão financeira experiente

A partir do quarto trimestre de 2023, a equipe de liderança da C&F Financial Corporation compreende 7 diretores executivos com uma experiência bancária média de 22 anos. A compensação total dos executivos foi de US $ 3,2 milhões em 2023.

Posição	Anos de experiência	Posse bancária
CEO	28 anos	15 anos
Diretor Financeiro	24 anos	12 anos

Forte infraestrutura bancária regional

A C&F Financial Corporation opera 27 agências bancárias de serviço completo em toda a Virgínia em 31 de dezembro de 2023. O total de ativos foi de US $ 2,87 bilhões, com uma participação de mercado regional de 4,3%.

• Locais totais de ramificação: 27
• Área de serviço primário: Virginia
• Receita líquida de juros: US $ 68,4 milhões em 2023

Tecnologia bancária digital robusta

Os investimentos em tecnologia em 2023 totalizaram US $ 4,2 milhões, com foco em plataformas bancárias digitais e infraestrutura de segurança cibernética.

Serviço digital	Taxa de adoção do usuário
Mobile Banking	62%
Bancos online	73%

Extenso banco de dados de relacionamento com o cliente

Métricas da base de clientes em dezembro de 2023:

• Total de contas de clientes: 87.500
• Clientes comerciais: 3.200
• Clientes bancários pessoais: 84.300

Experiência regulatória de conformidade

Tamanho da equipe de conformidade: 12 profissionais em tempo integral. Despesas relacionadas à conformidade em 2023: US $ 1,7 milhão.

Área de conformidade	Funcionários dedicados
Gerenciamento de riscos	5 profissionais
Relatórios regulatórios	4 profissionais
Auditoria interna	3 profissionais

C&F Financial Corporation (CFFI) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas

A partir do quarto trimestre 2023, a C&F Financial Corporation oferece soluções bancárias personalizadas com as seguintes métricas -chave:

Categoria de serviço	Número de produtos personalizados	Taxa média de satisfação do cliente
Bancos pessoais	37 configurações de produto exclusivas	4.2/5 Classificação de satisfação do cliente
Banking de negócios	24 tipos de conta de negócios especializados	4.1/5 Classificação de satisfação do cliente

Taxas de juros competitivas

Taxas de juros oferecidas pela C&F Financial Corporation em janeiro de 2024:

Tipo de produto	Intervalo de taxa de juros
Contas de poupança	2.75% - 3.25%
Certificados de depósito	3.50% - 4.75%
Contas do mercado monetário	3.15% - 3.85%

Entendimento do mercado local

• Operando em 23 municípios em toda a Virgínia
• Total de ativos: US $ 1,23 bilhão em 31 de dezembro de 2023
• Rede de 19 locais de ramificação de serviço completo

Ofertas abrangentes de serviços financeiros

Breakdown do portfólio de serviços:

Categoria de serviço	Número de produtos	Contribuição anual da receita
Bancos pessoais	42 produtos	US $ 37,5 milhões
Banking de negócios	28 produtos	US $ 52,3 milhões
Gestão de patrimônio	15 serviços	US $ 24,7 milhões

Abordagem bancária focada na comunidade

• Total de investimentos comunitários em 2023: US $ 2,1 milhões
• Contribuições de caridade locais: US $ 650.000
• Portfólio de empréstimos para pequenas empresas: US $ 157,6 milhões

C&F Financial Corporation (CFFI) - Modelo de Negócios: Relacionamentos ao Cliente

Atendimento ao cliente personalizado

A C&F Financial Corporation mantém 17 localizações de filiais de serviço completo em toda a Virgínia. Representantes de atendimento ao cliente têm uma média de 8,5 anos de posse com a empresa.

Canal de serviço	Tempo médio de resposta	Taxa de satisfação do cliente
Suporte no ramo	12 minutos	94.3%
Suporte telefônico	7,2 minutos	91.7%
Suporte online	4,5 horas	88.6%

Gerenciamento de relacionamento baseado em filiais

O banco mantém a presença física em 5 municípios da Virgínia, atendendo a aproximadamente 45.000 contas de clientes ativas.

• Duração média do relacionamento do cliente: 7,3 anos
• Banqueiro pessoal para o cliente: 1: 285
• Taxa anual de retenção de clientes: 87,4%

Canais de suporte bancário digital

As plataformas bancárias digitais processaram 62% do total de transações em 2023.

Plataforma digital	Usuários ativos	Transações mensais
Aplicativo bancário móvel	32,500	214,000
Portal bancário online	28,900	186,500

Programas de envolvimento da comunidade

A C&F Financial alocou US $ 275.000 para iniciativas de desenvolvimento comunitário em 2023.

• Eventos locais de patrocínio: 24
• Programas de alfabetização financeira: 12
• Razão de investimento comunitário: 1,2% do lucro líquido

Consulta financeira personalizada

Os serviços de consulta especializados abrangem segmentos bancários pessoais e comerciais.

Tipo de consulta	Duração média da consulta	Taxa de conversão
Bancos pessoais	45 minutos	67.3%
Banking de negócios	82 minutos	74.6%

C&F Financial Corporation (CFFI) - Modelo de Negócios: Canais

Rede de agência bancária física

A C&F Financial Corporation opera 14 agências bancárias de serviço completo Localizado na Virgínia, especificamente concentrado nas regiões de Richmond e Tidewater.

Região	Número de ramificações	Condados servidos
Richmond Metro	8	Henrico, Hanover, Chesterfield
Área da água da maré	6	Newport News, Hampton, Suffolk

Plataforma bancária online

A plataforma bancária on -line fornece Acesso digital 24/7 Com os seguintes recursos:

• Monitoramento do saldo da conta
• Transferências de fundos
• Serviços de pagamento da conta
• States eletrônicos

Aplicativo bancário móvel

Aplicativo móvel com Mais de 5.000 usuários mensais ativos, apoiando:

• Depósito de cheque móvel
• Gerenciamento de cartões
• Alertas de transação
• Login seguro com autenticação biométrica

Rede ATM

Tipo de atm	Número total	Locais de transações gratuitas
Caixas eletrônicos de propriedade de bancos	22	14
Caixas eletrônicos de rede compartilhada	75	Todos os locais da rede

Centros de atendimento ao cliente

Operações de suporte ao cliente com as seguintes métricas:

• Tempo médio de resposta: 2,5 minutos
• Horário de operação: 8:00 - 18:00 EST
• Volume anual de chamada: 42.500 interações com os clientes
• Canais de suporte: telefone, e -mail, chat ao vivo

C&F Financial Corporation (CFFI) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir de 2024, a C&F Financial Corporation atende aproximadamente 1.200 empresas pequenas e médias na região da Virgínia. O banco fornece serviços bancários comerciais especializados com um portfólio total de empréstimos comerciais, avaliado em US $ 287,4 milhões.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Fabricação	215	$425,000
Serviços de varejo	340	$275,000
Serviços profissionais	645	$195,000

Clientes bancários de varejo individuais

O banco atende 42.500 clientes de banco de varejo individuais com contas totais de depósito de US $ 672 milhões.

• Contas de corrente pessoal: 28.300 clientes
• Contas de poupança: 22.700 clientes
• Usuários bancários online: 31.600 clientes

Residentes da comunidade local

A C&F Financial Corporation opera principalmente em 7 municípios da Virgínia, cumprindo aproximadamente 156.000 residentes da comunidade local.

Clientes de empréstimos comerciais

O portfólio de empréstimos comerciais totaliza US $ 412,6 milhões em 890 clientes ativos de empréstimos comerciais.

Categoria de empréstimo	Valor total do empréstimo	Número de clientes
Imobiliária	US $ 187,3 milhões	412
Construção	US $ 95,7 milhões	218
Capital de giro	US $ 129,6 milhões	260

Clientes de gerenciamento de patrimônio

A divisão de gerenciamento de patrimônio atende a 1.850 clientes de alta rede com US $ 264,5 milhões em ativos gerenciados.

• Contas de investimento individuais: 1.250 clientes
• Serviços de planejamento de aposentadoria: 890 clientes
• Gerenciamento de confiança: 510 clientes

C&F Financial Corporation (CFFI) - Modelo de negócios: estrutura de custos

Pessoal e despesas de salário

A partir de 2023 Relatório Anual, a C&F Financial Corporation registrou despesas totais de pessoal de US $ 21.987.000.

Categoria de funcionários	Custo anual
Compensação executiva	$3,450,000
Funcionários em tempo integral	$16,750,000
Funcionários de meio período e temporário	$1,787,000

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia para 2023 totalizaram US $ 4.250.000.

• Sistemas bancários principais: US $ 1.750.000
• Infraestrutura de segurança cibernética: US $ 1.200.000
• Sistemas de rede e comunicação: US $ 850.000
• Licenciamento e atualizações de software: US $ 450.000

Custos de operação da filial

As despesas totais de operação da filial para 2023 foram de US $ 7.650.000.

Categoria de custo da ramificação	Despesa anual
Aluguel e instalações	$3,750,000
Utilitários	$1,200,000
Manutenção e reparos	$950,000
Equipamento de ramificação	$1,750,000

Despesas de conformidade regulatória

Os custos relacionados à conformidade para 2023 totalizaram US $ 3.450.000.

• Taxas legais e de consultoria: US $ 1.650.000
• Software e sistemas de conformidade: US $ 850.000
• Treinamento e educação: US $ 450.000
• Auditoria e relatórios: US $ 500.000

Marketing e aquisição de clientes

As despesas de marketing para 2023 foram de US $ 2.850.000.

Canal de marketing	Gasto anual
Marketing digital	$1,200,000
Publicidade tradicional	$750,000
Patrocínio da comunidade	$350,000
Programas de aquisição de clientes	$550,000

C&F Financial Corporation (CFFI) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a C&F Financial Corporation registrou receita total de juros de US $ 58,4 milhões. A repartição da receita de juros do empréstimo é a seguinte:

Categoria de empréstimo	Receita de juros ($)
Empréstimos comerciais	24,650,000
Empréstimos hipotecários residenciais	18,900,000
Empréstimos ao consumidor	14,850,000

Taxas de serviço bancário

As taxas de serviço bancário para 2023 totalizaram US $ 12,3 milhões, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 4.600.000
• Taxas de cheque especial: US $ 3.200.000
• Taxas de transação ATM: US $ 2.500.000
• Taxas de transferência de fio: US $ 2.000.000

Comissões de produtos de investimento

Comissões de produtos de investimento geraram US $ 7,6 milhões em receita para 2023:

Produto de investimento	Receita da Comissão ($)
Fundos mútuos	3,100,000
Planejamento de aposentadoria	2,500,000
Serviços de corretagem	2,000,000

Taxas de processamento de transações

As taxas de processamento de transações para 2023 totalizaram US $ 5,2 milhões:

• Taxas de transação do cartão de crédito: US $ 2.800.000
• Processamento de cartão de débito: US $ 1.700.000
• Serviços de pagamento eletrônico: US $ 700.000

Receitas de serviço de gerenciamento de patrimônio

Os serviços de gerenciamento de patrimônio contribuíram com US $ 6,5 milhões para os fluxos de receita em 2023:

Serviço de gerenciamento de patrimônio	Receita ($)
Aviso financeiro	3,200,000
Gerenciamento de portfólio	2,300,000
Serviços de planejamento imobiliário	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.