Cfbank N.A.: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Cfbank N.A. reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $1.86B in Q3 2026, up 6.4% from $1.75B in Q3 2025. That is 84.2% of its total assets. Across the 12 quarters shown it ranged from $1.71B (Q2 2024) to $1.86B (Q3 2026).
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 8.73 percentage points higher than in Q2 2026, at 290.70%. Within Ohio, Cfbank N.A. is 22nd of 154 on loan-to-deposit ratio, 100.06% as of 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.
Loan totals
Largest change in this table: loans held for sale, down 44.6% to $2.4M in Q3 2026 after $4.4M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $1.86B |
| Net loans and leases | $1.84B |
| Loans held for sale | $2.4M |
| Loans to total assets | 84.21% |
| Loan-to-deposit ratio | 100.06% |
| Net loans to equity capital | 7.31× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: commercial real estate (nonfarm nonresidential), up 1.02 points to 30.76% in Q3 2026 after 29.74% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.76% |
| Multifamily (5+ residential) | 9.55% |
| Commercial and industrial | 20.34% |
| Consumer | 0.21% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 290.70% |
| Construction concentration (Tier 1 capital + allowance) | 98.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans changed the most here, down 0.02 points to 6.17% in Q3 2026 from 6.19% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.17% |
| Interest income on loans | $28.0M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $1.71B | $1.75B | 23.18% | 24.87% | 0.13% |
| Q1 2024 | $1.72B | $1.72B | 24.70% | 24.38% | 0.17% |
| Q2 2024 | $1.71B | $1.70B | 24.71% | 24.06% | 0.18% |
| Q3 2024 | $1.74B | $1.75B | 23.22% | 24.37% | 0.16% |
| Q4 2024 | $1.74B | $1.76B | 23.77% | 23.60% | 0.16% |
| Q1 2025 | $1.77B | $1.79B | 26.03% | 23.06% | 0.16% |
| Q2 2025 | $1.78B | $1.81B | 25.80% | 23.48% | 0.19% |
| Q3 2025 | $1.75B | $1.78B | 26.15% | 21.91% | 0.20% |
| Q4 2025 | $1.76B | $1.78B | 27.18% | 20.81% | 0.18% |
| Q1 2026 | $1.78B | $1.81B | 28.46% | 21.10% | 0.20% |
| Q2 2026 | $1.82B | $1.83B | 29.74% | 20.79% | 0.19% |
| Q3 2026 | $1.86B | $1.86B | 30.76% | 20.34% | 0.21% |
Cfbank N.A. loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)