Columbus, OH · Cert 28263 · CF Bankshares Inc.
National charter · OCC · 7 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 0.9% share · #11 of 53 inst. · $1.1B of $124.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 0.90% | 0.99% | 1.12% | 1.20% | +16 bps | |
| Return on Equity | 9.99% | 8.50% | 9.22% | 9.91% | 10.57% | +58 bps | |
| Net Interest Margin | 2.78% | 2.75% | 2.77% | 2.74% | 2.83% | +5 bps | |
| Efficiency Ratio | 53.15% | 48.14% | 47.15% | 51.07% | 48.36% | -479 bps | |
| Non-Interest Burden | 1.36% | 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 / Loans | 0.94% | 0.57% | 0.87% | 1.14% | 1.14% | +21 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.55% | 0.41% | 0.00% | -0.01% | -2 bps | |
| Allowance / Loans | 1.08% | 0.96% | 1.00% | 1.05% | 1.07% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.7x | 1.2x | 0.9x | 0.9x | -0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.20% | 11.19% | 11.40% | 11.76% | 11.64% | +44 bps | |
| Total Risk-Based Capital | 14.69% | 14.88% | 15.02% | 15.14% | 14.76% | +7 bps | |
| Equity / Assets | 10.84% | 11.09% | 11.31% | 11.36% | 11.36% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.03% | 98.13% | 98.81% | 98.46% | 99.47% | +144 bps | |
| Liquid Assets / Assets | 12.28% | 12.27% | 11.69% | 11.64% | 11.09% | -120 bps | |
| CRE / Total Capital | n/a | 369% | 374% | 378% | n/a | n/a | |