Bank Safety Analysis
Is Cfbank N.A. Safe? Columbus, Ohio
Based on its Q3 2026 call report, Cfbank N.A. meets every capital ratio test for well capitalized, its Texas ratio is 5.74%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Cfbank N.A. safe?
On its Q3 2026 call report, Cfbank N.A.'s CET1 ratio is 13.54%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 13.54%
- Tier 1 leverage ratio (Q3 2026): 11.99%
- Texas ratio (Q3 2026): 5.74%
- Noncurrent loans ratio (Q3 2026): 1.09%
Cfbank N.A. is an FDIC-insured commercial bank (FDIC Certificate #28263). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Cfbank N.A. (FDIC Certificate #28263) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Cfbank N.A. passes all 5 scorecard dimensions, but not every risk screen below is clear. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital.
The biggest quarter-over-quarter change on this page was a small one: net interest margin edged up 0.05 percentage points between Q2 2026 and Q3 2026, to 3.15%. 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.
From Q4 2023 to Q3 2026, Cfbank N.A.'s CET1 ratio ranged between 12.17% (Q4 2023) and 13.95% (Q1 2026) and its Texas ratio ranged between 2.18% (Q4 2023) and 6.25% (Q2 2025). Between Q3 2025 and Q3 2026, Cfbank N.A.'s CET1 ratio fell from 13.74% to 13.54%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.57% to 1.09%, Texas ratio rose from 3.39% to 5.74% and return on assets rose from 0.62% to 1.33%.
Of the 154 banks headquartered in Ohio, Cfbank N.A. is the 18th largest by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $459.6M of $1.86B in total loans on its September 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q3 2026, Cfbank N.A.'s CET1 ratio of 13.54% is below the 13.60% median, Tier 1 leverage ratio of 11.99% is above the 10.54% median, nonperforming loans ratio of 1.09% is above the 0.54% median, Texas ratio of 5.74% is above the 3.95% median, and efficiency ratio of 47.93% is below the 58.15% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Cfbank N.A.'s 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Cfbank N.A. score on capital, credit and costs?
Peer cohort: $1B to $10B (896 banks) · Industry averages as of Q3 2026.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 13.60%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 10.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 0.54%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 3.95%.
Median of the 941 banks with $1B to $10B in assets, Q3 2026: 58.15%.
Does Cfbank N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 13.54% | Within range |
| Texas ratio BankRegReports band | 5.74% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.09% | Within range |
| Uninsured deposit share BankRegReports band | 31.13% | Within range |
| Loan-to-deposit ratio BankRegReports band | 100.06% | Flagged |
| Commercial real estate to capital BankRegReports band | 290.70% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 13.54% |
| Q2 2026 | 13.55% |
| Q1 2026 | 13.95% |
| Q4 2025 | 13.85% |
| Q3 2025 | 13.74% |
| Q2 2025 | 13.45% |
| Q1 2025 | 12.59% |
| Q4 2024 | 12.45% |
| Q3 2024 | 12.35% |
| Q2 2024 | 12.23% |
| Q1 2024 | 12.31% |
| Q4 2023 | 12.17% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.74% |
| Q2 2026 | 5.94% |
| Q1 2026 | 5.82% |
| Q4 2025 | 3.99% |
| Q3 2025 | 3.39% |
| Q2 2025 | 6.25% |
| Q1 2025 | 6.01% |
| Q4 2024 | 6.00% |
| Q3 2024 | 6.08% |
| Q2 2024 | 4.48% |
| Q1 2024 | 3.12% |
| Q4 2023 | 2.18% |
Loans by type, Q3 2026
- 1-4 family residential loans: $459.6M
- Commercial and industrial loans: $378.3M
- Non-owner-occupied commercial real estate loans: $347.7M
- Construction and land development loans: $267.9M
- Owner-occupied commercial real estate loans: $224.3M
- Multifamily loans: $177.5M
- Other revolving consumer credit: $3.9M
- Leases: $571K
How have Cfbank N.A.'s safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $2.21B | 13.54% | 11.99% | 1.09% | 5.74% | 47.93% |
| Jun 30, 2026 | $2.17B | 13.55% | 11.64% | 1.14% | 5.94% | 45.92% |
| Mar 31, 2026 | $2.14B | 13.95% | 11.76% | 1.14% | 5.82% | 51.07% |
| Dec 31, 2025 | $2.11B | 13.85% | 11.40% | 0.87% | 3.99% | 44.29% |
| Sep 30, 2025 | $2.11B | 13.74% | 11.19% | 0.57% | 3.39% | 38.47% |
| Jun 30, 2025 | $2.13B | 13.45% | 11.20% | 0.94% | 6.25% | 49.25% |
| Mar 31, 2025 | $2.09B | 12.59% | 10.55% | 0.82% | 6.01% | 57.49% |
| Dec 31, 2024 | $2.06B | 12.45% | 10.33% | 0.84% | 6.00% | 52.07% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Cfbank N.A. FDIC insured?
Yes. Cfbank N.A. is an FDIC-insured commercial bank (FDIC Certificate #28263). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Cfbank N.A. well capitalized?
On its Q3 2026 call report, Cfbank N.A.'s CET1 ratio is 13.54%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Cfbank N.A.'s key safety ratios?
For Q3 2026, Cfbank N.A. reports CET1 13.54%, leverage 11.99%, Texas ratio 5.74%, noncurrent loans 1.09%. Its Texas ratio compares with the 3.95% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Cfbank N.A. fails?
For Q3 2026, Cfbank N.A. reported $1.86B in total deposits, 31.13% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Cfbank N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Cfbank N.A. is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 28263) · FFIEC NIC profile (RSSD 767974)
Explore: Full Cfbank N.A. profile · Other banks in OH · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.