Cfbank N.A.: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Cfbank N.A. reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 13.54% in Q3 2026, down 0.20 percentage points from 13.74% in Q3 2025. Across the 12 quarters shown it ranged from 12.17% (Q4 2023) to 13.95% (Q1 2026).
The largest change between Q2 2026 and Q3 2026 was in Retained earnings, which rose 5.0% to $120.3M. Within Ohio, Cfbank N.A. is 48th of 79 on CET1 ratio, 13.54% as of Q3 2026. The median for banks in the $1B-10B asset tier is 13.60% on CET1 ratio; Cfbank N.A. reported 13.54% for Q3 2026, nearly level with it.
Risk-based capital ratios
Tier 1 leverage ratio moved most in this table, up 0.35 points: 11.64% in Q2 2026, 11.99% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.54% |
| Tier 1 risk-based capital ratio | 13.54% |
| Total risk-based capital ratio | 14.69% |
| Tier 1 leverage ratio | 11.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Risk-weighted assets changed the most here, up 2.6% to $1.87B in Q3 2026 from $1.83B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $253.8M |
| Tier 1 capital | $253.8M |
| Total risk-based capital | $275.4M |
| Total equity capital | $251.8M |
| Risk-weighted assets | $1.87B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Equity capital to average assets changed the most here, up 0.32 points to 11.89% in Q3 2026 from 11.57% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 11.40% |
| Tangible equity to tangible assets | 11.40% |
| Equity capital to average assets | 11.89% |
| Internal capital growth rate | 9.32% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $19K |
| Common stock surplus | $133.7M |
| Retained earnings | $120.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.2M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 12.17% | 12.17% | 13.30% | 9.76% | $1.62B |
| Q1 2024 | 12.31% | 12.31% | 13.50% | 10.05% | $1.63B |
| Q2 2024 | 12.23% | 12.23% | 13.48% | 10.11% | $1.65B |
| Q3 2024 | 12.35% | 12.35% | 13.43% | 10.36% | $1.67B |
| Q4 2024 | 12.45% | 12.45% | 13.60% | 10.33% | $1.69B |
| Q1 2025 | 12.59% | 12.59% | 13.76% | 10.55% | $1.72B |
| Q2 2025 | 13.45% | 13.45% | 14.69% | 11.20% | $1.73B |
| Q3 2025 | 13.74% | 13.74% | 14.88% | 11.19% | $1.71B |
| Q4 2025 | 13.85% | 13.85% | 15.02% | 11.40% | $1.74B |
| Q1 2026 | 13.95% | 13.95% | 15.14% | 11.76% | $1.75B |
| Q2 2026 | 13.55% | 13.55% | 14.76% | 11.64% | $1.83B |
| Q3 2026 | 13.54% | 13.54% | 14.69% | 11.99% | $1.87B |
Cfbank N.A. capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Cfbank N.A. profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 28263) · FFIEC NIC profile (RSSD 767974)