Cfbank N.A.: Loan Modifications and Restructuring
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Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Cfbank N.A. reported all 8 line items on this page on its Q3 2026 filing. Modified loans and leases was $3.7M in Q3 2026, up 4465.4% from $81K in Q3 2025. That is 0.2% of its total assets. Across the 12 quarters shown it ranged from $79K (Q4 2025) to $3.9M (Q1 2026).
Modified loans and leases fell 2.6% from Q2 2026 to Q3 2026, ending at $3.7M against $3.8M. It was the largest change among the key lines on this page.
Modified loans
| Line item | Q3 2026 |
|---|---|
| Modified loans and leases | $3.7M |
| Modified loans to total loans | 0.20% |
| Nonperforming assets excluding restructured loans, to assets | 0.92% |
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Read against the nonperforming book
Net charge-off ratio moved most in this table, up 0.23 points: -0.02% in Q2 2026, 0.21% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to total loans | 1.09% |
| Nonaccrual loans to loans | 1.09% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 0.21% |
| Allowance for credit losses to loans | 1.02% |
Shown side by side so the modified share can be compared with recognized nonperforming loans and with what has already been charged off.
Loan Modifications and Restructuring trend
A modified share rising while the nonperforming share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Nonperforming loans | Net charge-offs |
|---|---|---|---|
| Q4 2023 | 0.01% | 0.33% | 0.15% |
| Q1 2024 | 0.01% | 0.46% | 0.00% |
| Q2 2024 | 0.01% | 0.64% | 0.50% |
| Q3 2024 | 0.01% | 0.84% | 0.77% |
| Q4 2024 | 0.00% | 0.84% | 0.02% |
| Q1 2025 | 0.00% | 0.82% | 0.01% |
| Q2 2025 | 0.00% | 0.94% | 0.01% |
| Q3 2025 | 0.00% | 0.57% | 1.63% |
| Q4 2025 | 0.00% | 0.87% | 0.03% |
| Q1 2026 | 0.22% | 1.14% | 0.00% |
| Q2 2026 | 0.21% | 1.14% | -0.02% |
| Q3 2026 | 0.20% | 1.09% | 0.21% |
Cfbank N.A. loan modifications and restructuring, quarter by quarter
Loan Modifications and Restructuring since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)