Credit First National Association
Brook Park, OH · Cert 33855 · Peer group: banks under $1B in assets operating in a single state (n=746)
National charter · OCC · 1 branch
Q2 2026
$39.8MAssets
$0KLoans
$500KDeposits
$38.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 100% of banks under $1B in assets operating in a single state (rank 1 of 746).
- Widest gap: net interest margin trails 100% of banks under $1B in assets operating in a single state (rank 746 of 746).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
22.52%
Rank 1 of 746
Net Interest Margin
-0.04%
Rank 746 of 746
Efficiency Ratio
80.06%
Rank 615 of 746
Equity / Assets
96.04%
Rank 2 of 746
Non-interest income vs. expense
Favorable gap of $11.5M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 22.52% | 0.72% | 1.06% | 1.45% | Beats 100% | 1 / 746 | |
| Return on Equity | 23.45% | 6.74% | 10.51% | 13.63% | Beats 98% | 17 / 746 | |
| Net Interest Margin | -0.04% | 3.17% | 3.68% | 4.16% | Beats 0% | 746 / 746 | |
| Efficiency Ratio | 80.06% | 55.74% | 64.58% | 75.47% | Beats 18% | 615 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 401% | 11.55% | 13.75% | 17.60% | Beats 100% | 2 / 746 | |
| Total Risk-Based Capital Ratio | 401% | 11.71% | 14.33% | 18.43% | Beats 100% | 2 / 746 | |
| Equity / Assets | 96.04% | 8.90% | 10.51% | 13.06% | Beats 100% | 2 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 61.31% | 78.27% | 90.78% | 0th pctl | 744 / 746 | |
| Loans / Assets | 0.00% | 53.60% | 66.97% | 76.08% | 0th pctl | 744 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |