Credit First N.A.
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Data as of · sourced from FFIEC call reports. How we update
Credit First N.A. is an FDIC-insured commercial bank headquartered in Brook Park, OH, established in 1993 (FDIC certificate 33855), and it is supervised by the OCC. At Q2 2026 it reported total assets of $39.8M, down 0.6% from Q2 2025, the 152nd largest of 154 banks headquartered in Ohio.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33855
- Headquarters
- Brook Park, OH
- Established
- 1993
- Total assets, Q2 2026
- $39.8M
- Assets vs Q2 2025
- -0.6%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 041202980
- Latest call report
- Q2 2026, FFIEC 041 · Credit First N.A. call report
- Holding company
- BRIDGESTONE CORPORATION
- Asset rank in state
- 152nd of 154 in Ohio
Credit First N.A. is one of the more profitable banks of its size. It reported $40 million in assets at June 30, 2026. It returns 29.2% a year on shareholders' equity, about triple the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it pays an average of 3.20% on its deposits and borrowings, about double the median of 1.53% for banks its size.
As of June 30, 2026, Credit First N.A. reported a CET1 capital ratio of 400.63%, a return on assets of 28.98% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Credit First N.A. is the 152nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $39.8M, deposits were flat. The FDIC Summary of Deposits lists a single office for it, in Brook Park, OH. By the capital ratios in its Q2 2026 call report, Credit First N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6275 Eastland Rd, Brook Park, OH 44142
- County
- Cuyahoga
- Metro Area
- Cleveland, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 19, 1993
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 100
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $38.9M
- Average total loans
- $0
- Average interest-bearing deposits
- $500K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 19, 1993
- FDIC Cert
- 33855
- Fed RSSD
- 2122997
- Parent Holding Company
- BRIDGESTONE CORPORATION (RSSD 4813619)
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Credit First N.A.'s total assets ranged from $37.2M (Q3 2023) to $40.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$39.8M total assets against $40.0M; $1.6M total liabilities against $1.5M.
$0 net loans and leases against $0; $500K total deposits against $500K.
$0 securities against $0; $37.7M cash and balances due against $38.4M.
$2K total interest income against $2K; $4K total interest expense against $5K.
-$2K net interest income against -$3K.
$15.2M total noninterest income against $15.0M; $11.6M total noninterest expense against $11.3M.
No provision recorded in the last 12 quarters.
$2.8M net income against $2.9M.
28.98% return on assets against 28.89%; -0.02% net interest margin against -0.03%.
400.63% CET1 capital ratio against 414.49%; 98.26% tier 1 leverage ratio against 96.74%.
Inside the full Credit First N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 17.24% (Q1 2026) to 35.54% (Q4 2025) and its net interest margin ran from -0.06% (Q3 2024) to -0.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 400.63% | 28.98% | — | 0.00% | -0.02% |
| Q1 2026 | 398.48% | 17.24% | — | 0.00% | -0.05% |
| Q4 2025 | 387.66% | 35.54% | — | 0.00% | -0.03% |
| Q3 2025 | 396.93% | 29.03% | — | 0.00% | -0.05% |
| Q2 2025 | 414.49% | 28.89% | — | 0.00% | -0.03% |
| Q1 2025 | 409.02% | 21.29% | — | 0.00% | -0.04% |
| Q4 2024 | 412.14% | 25.74% | — | 0.00% | -0.03% |
| Q3 2024 | 434.90% | 30.50% | — | 0.00% | -0.06% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Credit First N.A. (main office) | Brook Park , OH | 44142 | $500K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 183 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Credit First N.A.
What are Credit First N.A.'s total assets?
As of the Q2 2026 filing, Credit First N.A. reported total assets of $39.8 million in its FFIEC call report.
Where is Credit First N.A. headquartered?
It is headquartered in Brook Park, OH, United States.
When was Credit First N.A. founded?
It was established in 1993, per the FDIC institution directory.
Is Credit First N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Credit First N.A.?
Credit First N.A.'s primary federal regulator is the OCC.
What is Credit First N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 400.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Credit First N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Credit First N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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