Cfbank N.A.: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Cfbank N.A. reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
Brokered deposits to total deposits climbed 2.40 percentage points in Q3 2026, from 18.24% to 20.64%. It was the largest change from Q2 2026 among the key lines here. Within Ohio, Cfbank N.A. is 52nd of 154 on return on assets, 1.33% as of Q3 2026. The median for banks in the $1B-10B asset tier is 1.30% on return on assets; Cfbank N.A. reported 1.33% for Q3 2026, nearly level with it.
Capital adequacy
Tier 1 leverage ratio changed the most here, up 0.35 points to 11.99% in Q3 2026 from 11.64% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 13.54% |
| Tier 1 risk-based capital ratio | 13.54% |
| Total risk-based capital ratio | 14.69% |
| Tier 1 leverage ratio | 11.99% |
| Equity capital to assets | 11.40% |
| Tangible equity to tangible assets | 11.40% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
Reserve coverage of nonperforming loans changed the most here, up 0.27 points to 93.56% in Q3 2026 from 93.29% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 1.09% |
| Nonperforming assets ratio | 0.92% |
| Net charge-off ratio | 0.21% |
| Texas ratio | 5.74% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of nonperforming loans | 93.56% |
Earnings
Largest change in this table: efficiency ratio, up 2.01 points to 47.93% in Q3 2026 after 45.92% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 11.31% |
| Net interest margin | 3.15% |
| Efficiency ratio | 47.93% |
| Yield on earning assets | 5.93% |
| Cost of funds | 3.05% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 100.06% |
| Core deposits to total deposits | 74.25% |
| Brokered deposits to total deposits | 20.64% |
| Deposits to assets | 84.16% |
| Securities to assets | 0.75% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 12.17% | 12.17% | 13.30% | 9.76% | 0.95% |
| Q1 2024 | 12.31% | 12.31% | 13.50% | 10.05% | 0.73% |
| Q2 2024 | 12.23% | 12.23% | 13.48% | 10.11% | 0.46% |
| Q3 2024 | 12.35% | 12.35% | 13.43% | 10.36% | 0.96% |
| Q4 2024 | 12.45% | 12.45% | 13.60% | 10.33% | 0.98% |
| Q1 2025 | 12.59% | 12.59% | 13.76% | 10.55% | 1.00% |
| Q2 2025 | 13.45% | 13.45% | 14.69% | 11.20% | 1.12% |
| Q3 2025 | 13.74% | 13.74% | 14.88% | 11.19% | 0.62% |
| Q4 2025 | 13.85% | 13.85% | 15.02% | 11.40% | 1.26% |
| Q1 2026 | 13.95% | 13.95% | 15.14% | 11.76% | 1.15% |
| Q2 2026 | 13.55% | 13.55% | 14.76% | 11.64% | 1.29% |
| Q3 2026 | 13.54% | 13.54% | 14.69% | 11.99% | 1.33% |
Cfbank N.A. vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)