C&F Financial Corporation is a bank holding company that owns Citizens and Farmers Bank (the Bank), an independent commercial bank. The Bank has five wholly owned subsidiaries: C&F Mortgage Corporation (C&F Mortgage), C&F Title Agency, Inc., Moore Loans, Inc., C&F Investment Services, Inc. and C&F Insurance Services, Inc. The Company operates in three principal business activities: retail banking, mortgage banking and consumer finance. The Corporation conducts brokerage activities through C&F Investment Services, Inc., insurance activities through C&F Insurance Services, Inc. and title insurance services through C&F Title Agency, Inc.