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
Unfavorable gap of $26.0M · efficiency ratio beats 84% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.91% | 1.22% | 1.52% | Beats 46% | 176 / 328 | |
| Return on Equity | 10.43% | 8.43% | 11.45% | 14.43% | Beats 40% | 198 / 328 | |
| Net Interest Margin | 2.83% | 3.03% | 3.45% | 3.83% | Beats 15% | 278 / 328 | |
| Efficiency Ratio | 48.36% | 51.61% | 59.56% | 67.53% | Beats 84% | 55 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.24% | 0.51% | 1.03% | Beats 23% | 249 / 322 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 83% | 57 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 13.55% | 11.75% | 13.15% | 15.47% | Beats 56% | 145 / 328 | |
| Total Risk-Based Capital Ratio | 14.76% | 12.63% | 14.15% | 16.46% | Beats 59% | 134 / 328 | |
| Equity / Assets | 11.36% | 9.15% | 10.33% | 12.01% | Beats 66% | 113 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 99.47% | 76.63% | 87.92% | 95.36% | 84th pctl | 53 / 323 | |
| Loans / Assets | 84.09% | 65.18% | 74.15% | 79.98% | 89th pctl | 36 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |