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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 $0.0BQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $1.6B15%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.77%0.98%1.04%0.90%0.99%1.12%1.20%+16 bps
Return on Equity7.17%7.82%9.62%9.99%8.50%9.22%9.91%10.57%+58 bps
Net Interest Margin2.45%2.45%2.68%2.78%2.75%2.77%2.74%2.83%+5 bps
Efficiency Ratio56.54%55.34%57.49%53.15%48.14%47.15%51.07%48.36%-479 bps
Non-Interest Burden1.29%1.26%1.45%1.36%1.18%1.16%1.26%1.22%-14 bps
Growth
Asset Growth (YoY)3.58%0.40%2.99%4.86%2.49%2.73%2.43%1.69%-317 bps
Loan Growth (YoY)3.63%1.71%3.22%3.82%0.49%1.15%0.68%2.64%-118 bps
Deposit Growth (YoY)3.44%0.71%3.80%6.68%1.93%1.38%1.20%1.15%-553 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.84%0.82%0.94%0.57%0.87%1.14%1.14%+21 bps
Net Charge-Offs / Loans0.41%0.31%0.01%0.01%0.55%0.41%0.00%-0.01%-2 bps
Allowance / Loans0.96%1.00%1.00%1.08%0.96%1.00%1.05%1.07%-1 bps
Allowance Coverage of NPLs1.1x1.2x1.2x1.1x1.7x1.2x0.9x0.9x-0.2x
Capital
Tier 1 Leverage Ratio10.36%10.33%10.55%11.20%11.19%11.40%11.76%11.64%+44 bps
Total Risk-Based Capital13.43%13.60%13.76%14.69%14.88%15.02%15.14%14.76%+7 bps
Equity / Assets9.96%10.16%10.26%10.84%11.09%11.31%11.36%11.36%+52 bps
Liquidity & Funding
Loans / Deposits99.53%99.04%98.96%98.03%98.13%98.81%98.46%99.47%+144 bps
Liquid Assets / Assets11.10%10.93%10.79%12.28%12.27%11.69%11.64%11.09%-120 bps
CRE / Total Capitaln/an/an/an/a369%374%378%n/an/a