Cfbank N.A.: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Cfbank N.A. reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.93% in Q3 2026, down 0.02 percentage points from 5.95% in Q3 2025. Across the 12 quarters shown it ranged from 5.63% (Q1 2026) to 6.28% (Q3 2024).
Compared with Q2 2026, Yield on securities fell 0.37 percentage points in Q3 2026 to 3.25%, the biggest move on this page. Cfbank N.A. ranks 117th of 154 Ohio banks on net interest margin, in the lower half at 3.15% (Q3 2026). Cfbank N.A. reported 3.15% on net interest margin for Q3 2026, 0.64 points below the 3.79% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.17% |
| Yield on securities | 3.25% |
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Funding costs
Largest change in this table: cost of borrowings, up 0.04 points to 2.61% in Q3 2026 after 2.57% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 3.05% |
| Cost of interest-bearing deposits | 3.50% |
| Cost of interest-bearing liabilities | 3.46% |
| Cost of borrowings | 2.61% |
Spread and margin
Net interest margin moved most in this table, up 0.05 points: 3.10% in Q2 2026, 3.15% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.47% |
Interest income and expense
Total interest expense changed the most here, down 0.4% to $14.1M in Q3 2026 from $14.2M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $28.0M |
| Total interest expense | $14.1M |
| Interest expense on deposits | $13.8M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 6.13% | 3.88% | 2.58% | 6.21% | 0.95% |
| Q1 2024 | 6.05% | 3.85% | 2.51% | 6.12% | 0.95% |
| Q2 2024 | 6.13% | 3.92% | 2.55% | 6.22% | 1.08% |
| Q3 2024 | 6.28% | 4.01% | 2.58% | 6.37% | 1.50% |
| Q4 2024 | 6.15% | 3.70% | 2.74% | 6.31% | 1.44% |
| Q1 2025 | 5.96% | 3.43% | 2.79% | 6.12% | 1.35% |
| Q2 2025 | 6.12% | 3.40% | 3.02% | 6.33% | 1.38% |
| Q3 2025 | 5.95% | 3.37% | 2.88% | 6.17% | 2.08% |
| Q4 2025 | 5.94% | 3.27% | 2.98% | 6.24% | 3.32% |
| Q1 2026 | 5.63% | 3.02% | 2.86% | 5.89% | 3.86% |
| Q2 2026 | 5.88% | 3.02% | 3.10% | 6.19% | 3.62% |
| Q3 2026 | 5.93% | 3.05% | 3.15% | 6.17% | 3.25% |
Cfbank N.A. yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)