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Original filing (PDF)20250922072837NAL0002039283001
CITIZENS & FARMERS BANK
Form 5500
FILING_RECEIVED
SBA CASH BALANCE PENSION PLAN FOR CITIZENS & FARMERS BANK
Defined-benefit pension plan
Signals · 1
No recordkeeper disclosed
Active participants
237
Accounts w/ balance
—
Plan assets (EOY)
$21.2M
Net assets (EOY)
$21.2M
How this plan invests
This plan
1 pooled trust
Schedule D
15 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for CITIZENS & FARMERS BANK.
Plan sponsor
Name
CITIZENS & FARMERS BANK
EIN
54-0169510
Address
PO BOX 391 · WEST POINT, VA · 231810391
Phone
(804) 843-2360
Industry
Commercial Banking· Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-09-22
Pension benefit codes
1A · Pay-related DB formula
1C · Cash balance or similar hybrid DB
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
YOUNT HYDE & BARBOUR, PC
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsActuary
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| SAGEVIEW CONSULTING GROUP | 27-1001403 | — | ACTUARY | $19K | — |
Other
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| VBA BENEFITS CORPORATION | 54-1741662 | — | MASTER TRUST SPONSOR | $30K | — |
Investments
14 direct securities · 1 pooled fund· $21.1M(100% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Uncategorized
$19.1M
14 holdings
Common Collective Trust
$2.0M
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| PIMCO Mod Duration Fund Institutional Mutual Fund | — | — | $3.2M | $3.4M | 16.2% | |
| PIMCO Long-term Credit Bond Fund Mutual Fund | — | — | $3.1M | $2.8M | 13.2% | |
| Fidelity 500 Index Fund Mutual Fund | — | — | $1.2M | $2.2M | 10.2% | |
| MFS GROWTH EQUITY FUND GREAT GRAY · EIN 38-4126293 / PN 596 | Common Collective Trust | — | $1.3M | $2.0M | 9.5% | |
| Vanguard Equity Income Adm Mutual Fund | — | — | $1.1M | $1.8M | 8.3% | |
| PIMCO Long Duration Total Return Bond Fund Mutual Fund | — | — | $1.9M | $1.6M | 7.4% | |
| Fidelity Total International Index Mutual Fund | — | — | $1.1M | $1.4M | 6.7% | |
| T. Rowe Price Overseas Stock I Mutual Fund | — | — | $1.1M | $1.4M | 6.6% | |
| Cohen & Steers Real Estate Securities Z Mutual Fund | — | — | $980K | $1.3M | 6.1% | |
| JPMorgan Emerging Markets Equity Mutual Fund | — | — | $996K | $988K | 4.7% | |
| PIMCO RAE US Small Ins Mutual Fund | — | — | $355K | $483K | 2.3% | |
| Fidelity Extended Market Index Mutual Fund | — | — | $318K | $483K | 2.3% | |
| Wasatch Core Growth Institutional Mutual Fund | — | — | $326K | $479K | 2.3% | |
| JPMorgan Mid Cap Growth Fund R6 Mutual Fund | — | — | $433K | $463K | 2.2% | |
| Victory Sycamore Established Value R6 Mutual Fund | — | — | $251K | $431K | 2.0% |