Cfbank N.A.: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
On its Q3 2026 filing, Cfbank N.A. reported 14 of the 15 line items on this page. It did not report cash and noninterest-bearing balances to assets. Cash and balances due from depository institutions was $248.5M in Q3 2026, down 8.8% from $272.4M in Q3 2025. That is 11.3% of its total assets. Across the 12 quarters shown it ranged from $233.6M (Q3 2024) to $275.7M (Q2 2025).
The standout move of Q3 2026 was in Brokered deposits to total deposits: 2.40 percentage points higher than in Q2 2026, at 20.64%. Cfbank N.A. ranks 22nd of 154 Ohio banks on loan-to-deposit ratio, in the upper half at 100.06% (Q3 2026). Cfbank N.A. reported 100.06% on loan-to-deposit ratio for Q3 2026, 11.92 points above the 88.13% median for banks in the $1B-10B asset tier.
Liquid assets
Cash and securities moved most in this table, down 1.9%: $270.1M in Q2 2026, $265.0M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $248.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $265.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Largest change in this table: other borrowed money to assets, down 0.06 points to 2.89% in Q3 2026 after 2.95% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $63.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 100.06% |
| Net loans and leases to deposits | 99.03% |
| Loans and leases to core deposits | 105.44% |
| Core deposits to total deposits | 74.25% |
| Brokered deposits to total deposits | 20.64% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 98.06% | 71.82% | $0 | $81.8M |
| Q1 2024 | 99.52% | 74.95% | $0 | $81.6M |
| Q2 2024 | 100.73% | 72.22% | $0 | $107.4M |
| Q3 2024 | 99.53% | 71.38% | $0 | $80.4M |
| Q4 2024 | 99.04% | 71.89% | $0 | $64.2M |
| Q1 2025 | 98.96% | 71.06% | $0 | $64.1M |
| Q2 2025 | 98.03% | 69.80% | $0 | $63.9M |
| Q3 2025 | 98.13% | 71.85% | $0 | $64.0M |
| Q4 2025 | 98.81% | 72.32% | $0 | $63.9M |
| Q1 2026 | 98.46% | 72.14% | $0 | $64.1M |
| Q2 2026 | 99.47% | 76.31% | $0 | $63.9M |
| Q3 2026 | 100.06% | 74.25% | $0 | $63.8M |
Cfbank N.A. liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)