Cfbank N.A.
Cfbank N.A. is an FDIC-insured commercial bank headquartered in Columbus, OH, supervised by the OCC, with $2.21B in total assets at Q3 2026, up 4.8% from Q3 2025, the 18th largest of 154 banks headquartered in Ohio. It was established in 1892 and holds FDIC certificate 28263. Its CET1 capital ratio was 13.54% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28263
- Headquarters
- Columbus, OH
- Established
- 1892
- Total assets, Q3 2026
- $2.21B
- Assets vs Q3 2025
- +4.8%
- CET1 ratio, Q3 2026
- 13.54%
- Domestic offices
- 7 branches
- Routing number
- 241272118
- Safety and soundness
- Is Cfbank N.A. safe?
- Latest call report
- Q3 2026, FFIEC 051 · Cfbank N.A. call report
- Holding company
- CF BANKSHARES INC.
- Asset rank in state
- 18th of 154 in Ohio
Problem loans are rising at Cfbank N.A.. Its balance sheet stood at $2.2 billion at September 30, 2026, up 4.8% from a year earlier; it is based in Columbus, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.84% of loans from 0.49% a year earlier. It pays an average of 3.05% on its deposits and borrowings, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 2.05%). It also keeps 3.15 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.80 cents).
Earnings jumped: net income for the quarter was $7.0 million, 116% above the same quarter a year earlier. The commercial and industrial book ($378 million) is worsening: 5.26% of it is past due or on nonaccrual, up from 2.10% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.3 times).
As of September 30, 2026, Cfbank N.A. reported a CET1 capital ratio of 13.54%, a return on assets of 1.33%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 5.74%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Cfbank N.A. is the 18th largest by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 1.9% to $2.21B, loans rose 2.0% and deposits rose 1.5%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 24.7% of total loans, followed by commercial and industrial loans at 20.3%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities across 2 states; its Columbus 2 offices book 59% of its branch deposits. By the capital ratios in its Q3 2026 call report, Cfbank N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4960 E Dublin Granville Rd, Columbus, OH 43081
- County
- Franklin
- Metro Area
- Columbus, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1892
- Former names
- CFBank (2006-2016); Central Federal Bank (2003-2004)
- Domestic offices
- 7 branches
- Employees (FTE)
- 107
- Domestic deposits
- $1.86B
- Allowance for credit losses
- $19.0M
- Net charge-offs (YTD)
- $877K
- Average total assets
- $2.12B
- Average total loans
- $1.82B
- Average interest-bearing deposits
- $1.52B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28263
- Fed RSSD
- 767974
- SEC CIK
- 1070680 → filed by CF BANKSHARES INC.
- Website
- www.cf.bank →
- Parent Holding Company
- CF BANKSHARES INC. (RSSD 3828577) · CFBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy T O'Dell | CEO | CEO |
| Bradley J Ringwald | PRES | Bank President |
| Kevin J Beerman | CFO | EVP & Chief Financial Officer |
| Marianne Mckinney | COO | EVP & Chief Operating Officer |
| Timothy Meder | CCO | EVP & Chief Credit Officer |
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Cfbank N.A.'s total assets ranged from $2.03B (Q1 2024) to $2.21B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.21B total assets against $2.11B; $1.96B total liabilities against $1.87B.
$1.84B net loans and leases against $1.73B; $1.86B total deposits against $1.78B.
$16.5M securities against $9.2M; $248.5M cash and balances due against $272.4M.
$30.1M total interest income against $30.0M; $14.1M total interest expense against $15.5M.
$16.0M net interest income against $14.5M.
$1.7M total noninterest income against $1.8M; $8.5M total noninterest expense against $6.3M.
$551K provision for credit losses against $5.1M.
$7.0M net income against $3.3M.
1.33% return on assets against 0.62%; 3.15% net interest margin against 2.88%.
13.54% CET1 capital ratio against 13.74%; 11.99% tier 1 leverage ratio against 11.19%.
Inside the full Cfbank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Cfbank N.A. rankings
Its closest position to the top of a national ranking is 566 of 4,193, for total assets; its furthest is 1,207 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.62% (Q3 2025) to 1.33% (Q3 2026) and its net interest margin ran from 2.74% (Q4 2024) to 3.15% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 13.54% | 1.33% | 1.09% | 5.74% | 3.15% |
| Q2 2026 | 13.55% | 1.29% | 1.14% | 5.94% | 3.10% |
| Q1 2026 | 13.95% | 1.15% | 1.14% | 5.82% | 2.86% |
| Q4 2025 | 13.85% | 1.26% | 0.87% | 3.99% | 2.98% |
| Q3 2025 | 13.74% | 0.62% | 0.57% | 3.39% | 2.88% |
| Q2 2025 | 13.45% | 1.12% | 0.94% | 6.25% | 3.02% |
| Q1 2025 | 12.59% | 1.00% | 0.82% | 6.01% | 2.79% |
| Q4 2024 | 12.45% | 0.98% | 0.84% | 6.00% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cfbank, National Association | Columbus , OH | 43081 | $882.1M |
| Indianapolis Branch | Indianapolis , IN | 46250 | $250.3M |
| Polaris Branch | Columbus , OH | 43240 | $195.4M |
| Pinecrest Branch | Orange Village , OH | 44122 | $185.1M |
| Fairlawn Branch | Fairlawn , OH | 44333 | $153.5M |
| Blue Ash Branch | Cincinnati , OH | 45242 | $135.8M |
| Red Bank Branch | Cincinnati , OH | 45227 | $29.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC, OCC (former OTS))
- May 25, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): CFBank
- May 25, 2011, OCC (former OTS): Cease and Desist: Central Federal Corporation
- May 25, 2011, OCC (former OTS): Cease and Desist: CFBank
- Period: Most recent institution action May 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OH, rank 26 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 442 applications, 187 loans originated, $119.8M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $4.0M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cfbank N.A.
What are Cfbank N.A.'s total assets?
As of the Q3 2026 filing, Cfbank N.A. reported total assets of $2.21 billion in its FFIEC call report.
Where is Cfbank N.A. headquartered?
It is headquartered in Columbus, OH, United States.
When was Cfbank N.A. founded?
It was established in 1892, per the FDIC institution directory.
Is Cfbank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cfbank N.A.?
Cfbank N.A.'s primary federal regulator is the OCC.
What is Cfbank N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.54% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cfbank N.A. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cfbank N.A.'s Texas Ratio?
Its Texas Ratio is 5.74% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was Cfbank N.A. previously called?
The charter now named Cfbank N.A. has also operated as CFBank (2006-2016), Central Federal Bank (2003-2004), per FDIC structure-change records.
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