C&F Financial Corporation operates as the holding company for Citizens and Farmers Bank that provides commercial banking services to individuals and businesses. The company operates in three segments: Retail Banking, Mortgage Banking, and Consumer Finance. The Retail Banking segment provides various banking services, such as checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet banking, and debit and credit cards, as well as travelersí checks, safe deposit box rentals, collection, notary public, wire service, and other customary bank services. As of February 18, 2015, this segment operated 25 branches in the counties of Powhatan, Chesterfield, Cumberland, Middlesex, James City, New Kent, Hanover, and Henrico; the town of West Point; and the cities of Williamsburg, Newport News, Hampton, and Richmond, Virginia. The Mortgage Banking segment offers various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration, and home equity loans; and provides ancillary mortgage loan origination services for loan settlement and residential appraisals. This segment provided mortgage loan origination services through 12 offices in Virginia, 2 offices in Maryland, and 2 offices in North Carolina. The Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia; Nashville, Tennessee; and Hunt Valley, Maryland. The company also offers various investment services; and sells title insurance products. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.