C&F Financial Corporation reported consolidated net income of $7.8 million for Q2 2025, a 54.3% increase from Q2 2024. Selected financial highlights include earnings per share of $2.37, annualized return on average assets of 1.18%, and a net interest margin of 4.27%. The community banking segment showed strong loan and deposit growth.

Community banking segment loans grew by 10.6% annually, while consumer finance segment loans decreased by 2.3%. Deposits increased by 7.9% annually. The net interest margin for Q2 2025 was 4.27%. The community banking segment recorded a net reversal of provision for credit losses of $300,000.

The mortgage banking segment saw a 46.2% increase in loan originations in Q2 2025 compared to Q2 2024. Net income for the segment was $985,000 for Q2 2025. The consumer finance segment reported net income of $539,000 for Q2 2025. Mortgage loan originations increased by 87.7% compared to Q1 2025.

C&F Bank operates 31 banking offices and offers full wealth management services. The Corporation’s common stock is listed on The Nasdaq Stock Market. Key figures for Q2 2025 include a net income of $7.8 million, earnings per share of $2.37, and a net interest margin of 4.27%. The Corporation remains well-capitalized under regulatory guidelines.

The Corporation declared a quarterly cash dividend of 46 cents per share for Q2 2025, representing a payout ratio of 19.4% of earnings per share. Total consolidated equity increased by $13.9 million at June 30, 2025. The Corporation’s tangible book value per share was $66.12. Capital ratios exceeded regulatory requirements at June 30, 2025.

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