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Cfbank National Association

Columbus, OH · Cert 28263 · CF Bankshares Inc.

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cfbank National Association

Columbus, OH · Cert 28263 · CF Bankshares Inc.

National charter · OCC · 7 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.8BDeposits
$246.1MEquity
Loan mix
79%RE $1.4B21%C&I $0.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $1.6B15%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.87%Q2 ’245.77%Q2 ’255.47%Q2 ’26+14%+2%

Non-interest income vs. expense

1.50%Q2 ’241.61%Q2 ’251.51%Q2 ’26+4%-10%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.9% share · #11 of 53 inst. · $1.1B of $124.6B

0.8% Franklin
0.6% Marion
2.7% Delaware
0.2% Cuyahoga

Executive Summary

  • Earnings: ROA of 1.20%, up 16 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 1.14% of loans (+21 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.64%, up 44 bps from a year ago.
  • Funding: loans stand at 99.47% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+5 bps YoY

Efficiency Ratio (YTD, annualized)

48.36%-479 bps YoY

Tier 1 Leverage Ratio

11.64%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%0.90%0.99%1.12%1.20%+16 bps
Return on Equity9.99%8.50%9.22%9.91%10.57%+58 bps
Net Interest Margin2.78%2.75%2.77%2.74%2.83%+5 bps
Efficiency Ratio53.15%48.14%47.15%51.07%48.36%-479 bps
Non-Interest Burden1.36%1.18%1.16%1.26%1.22%-14 bps
Growth
Asset Growth (YoY)4.86%2.49%2.73%2.43%1.69%-317 bps
Loan Growth (YoY)3.82%0.49%1.15%0.68%2.64%-118 bps
Deposit Growth (YoY)6.68%1.93%1.38%1.20%1.15%-553 bps
Asset Quality
Nonperforming Loans / Loans0.94%0.57%0.87%1.14%1.14%+21 bps
Net Charge-Offs / Loans0.01%0.55%0.41%0.00%-0.01%-2 bps
Allowance / Loans1.08%0.96%1.00%1.05%1.07%-1 bps
Allowance Coverage of NPLs1.1x1.7x1.2x0.9x0.9x-0.2x
Capital
Tier 1 Leverage Ratio11.20%11.19%11.40%11.76%11.64%+44 bps
Total Risk-Based Capital14.69%14.88%15.02%15.14%14.76%+7 bps
Equity / Assets10.84%11.09%11.31%11.36%11.36%+52 bps
Liquidity & Funding
Loans / Deposits98.03%98.13%98.81%98.46%99.47%+144 bps
Liquid Assets / Assets12.28%12.27%11.69%11.64%11.09%-120 bps
CRE / Total Capitaln/a369%374%378%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cfbank National Association

Columbus, OH · Cert 28263 · Peer group: banks $1B-$10B in assets (n=322-328) · CF Bankshares Inc.

National charter · OCC · 7 branches

Q2 2026

$2.2BAssets
$1.8BLoans
$1.8BDeposits
$246.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 84% of banks $1B-$10B in assets (rank 55 of 328).
  • Widest gap: net interest margin trails 85% of banks $1B-$10B in assets (rank 278 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.18%

Rank 176 of 328

Net Interest Margin

2.83%

Rank 278 of 328

Efficiency Ratio

48.36%

Rank 55 of 328

Equity / Assets

11.36%

Rank 113 of 328

Non-interest income vs. expense

$6.1M$32.1MINCOMEEXPENSE
Unfavorable gap of $26.0M · efficiency ratio beats 84% of banks $1B-$10B in assets
Bank 48.36%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%0.91%1.22%1.52%Beats 46%176 / 328
Return on Equity10.43%8.43%11.45%14.43%Beats 40%198 / 328
Net Interest Margin2.83%3.03%3.45%3.83%Beats 15%278 / 328
Efficiency Ratio48.36%51.61%59.56%67.53%Beats 84%55 / 328
Asset Quality
Nonperforming Loans / Loans1.14%0.24%0.51%1.03%Beats 23%249 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 83%57 / 322
Capital
Tier 1 Capital Ratio13.55%11.75%13.15%15.47%Beats 56%145 / 328
Total Risk-Based Capital Ratio14.76%12.63%14.15%16.46%Beats 59%134 / 328
Equity / Assets11.36%9.15%10.33%12.01%Beats 66%113 / 328
Liquidity & Funding
Loans / Deposits99.47%76.63%87.92%95.36%84th pctl53 / 323
Loans / Assets84.09%65.18%74.15%79.98%89th pctl36 / 328
Brokered Deposits / Depositsn/aNot reported for this institution