Bank Safety Analysis
Is Credit First N.A. Safe?
Credit First N.A. meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions. Analysis based on the Q2 2026 call report.
Return on assets climbed 11.74 percentage points in Q2 2026, from 17.24% to 28.98%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Credit First N.A. ranks first in Ohio on CET1 ratio among 84 banks, at 400.63%. Against a median of 19.50% for banks in the < $100M asset tier, Credit First N.A. reported 400.63% on CET1 ratio in Q2 2026, 381.13 points higher. From Q3 2023 to Q2 2026, Credit First N.A.'s CET1 ratio ranged between 343.98% (Q3 2023) and 434.90% (Q3 2024) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Credit First N.A.'s CET1 ratio from 414.49% to 400.63%, Texas ratio from 0.00% to 0.00%, return on assets from 28.89% to 28.98% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (506 banks) · Industry averages as of Q2 2026.
CET1 of 400.63% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 98.26% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 76.2% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 400.63% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 400.63% |
| Q1 2026 | 398.48% |
| Q4 2025 | 387.66% |
| Q3 2025 | 396.93% |
| Q2 2025 | 414.49% |
| Q1 2025 | 409.02% |
| Q4 2024 | 412.14% |
| Q3 2024 | 434.90% |
| Q2 2024 | 367.61% |
| Q1 2024 | 390.12% |
| Q4 2023 | 398.01% |
| Q3 2023 | 343.98% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Credit First N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 400.63% | — | 0.00% | 28.98% |
| Mar 31, 2026 | 398.48% | — | 0.00% | 17.24% |
| Dec 31, 2025 | 387.66% | — | 0.00% | 35.54% |
| Sep 30, 2025 | 396.93% | — | 0.00% | 29.03% |
| Jun 30, 2025 | 414.49% | — | 0.00% | 28.89% |
| Mar 31, 2025 | 409.02% | — | 0.00% | 21.29% |
| Dec 31, 2024 | 412.14% | — | 0.00% | 25.74% |
| Sep 30, 2024 | 434.90% | — | 0.00% | 30.50% |
| Jun 30, 2024 | 367.61% | — | 0.00% | 23.64% |
| Mar 31, 2024 | 390.12% | — | 0.00% | 18.98% |
| Dec 31, 2023 | 398.01% | — | 0.00% | 37.55% |
| Sep 30, 2023 | 343.98% | — | 0.00% | 18.36% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Credit First N.A. FDIC insured?
Yes. Credit First N.A. is an FDIC-insured commercial bank (FDIC Certificate #33855). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Credit First N.A. well capitalized?
Yes. Credit First N.A. reports a CET1 Ratio of 400.63%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is Credit First N.A.'s Texas Ratio?
Credit First N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 33855) · FFIEC NIC profile (RSSD 2122997)
Explore: Full Credit First N.A. profile · Other banks in OH · Metric glossary · How the call report works