CFFI C & F FINANCIAL CORP - 10-Q - (2025-11-04)

C&F Financial Corporation (CFFI) reported record financial performance for the nine months ended September 30, 2025, marked by a 46% year-over-year increase in Net Income to \(20.3 million (\)6.22 EPS). Total Assets grew 5.8% to \(2.71 billion, supported by a 5.9% rise in Deposits to \)2.30 billion. Annualized Net Interest Margin improved to 4.24%.

Business & Segment Highlights: Community Banking remains the primary driver, with significant income growth (\(19.9M vs. \)13.9M YoY 9M), aided by a favorable swing in credit loss provisioning for the segment. The Mortgage Banking segment doubled its

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