Credit First N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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. Credit First N.A. has the highest return on assets of the 156 banks headquartered in Ohio, 28.98% as of Q2 2026. Credit First N.A.'s return on assets of 28.98% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 28.00 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 400.63% |
| Tier 1 risk-based capital ratio | 400.63% |
| Total risk-based capital ratio | 400.63% |
| Tier 1 leverage ratio | 98.26% |
| Equity capital to assets | 96.04% |
| Tangible equity to tangible assets | 96.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 28.98% |
| Return on equity | 29.15% |
| Net interest margin | -0.02% |
| Efficiency ratio | 76.20% |
| Yield on earning assets | 0.02% |
| Cost of funds | 3.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 0.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 1.26% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 343.98% | 343.98% | 343.98% | 89.42% | 18.36% |
| Q4 2023 | 398.01% | 398.01% | 398.01% | 97.23% | 37.55% |
| Q1 2024 | 390.12% | 390.12% | 390.12% | 99.34% | 18.98% |
| Q2 2024 | 367.61% | 367.61% | 367.61% | 93.23% | 23.64% |
| Q3 2024 | 434.90% | 434.90% | 434.90% | 92.95% | 30.50% |
| Q4 2024 | 412.14% | 412.14% | 412.14% | 91.81% | 25.74% |
| Q1 2025 | 409.02% | 409.02% | 409.02% | 100.39% | 21.29% |
| Q2 2025 | 414.49% | 414.49% | 414.49% | 96.74% | 28.89% |
| Q3 2025 | 396.93% | 396.93% | 396.93% | 91.36% | 29.03% |
| Q4 2025 | 387.66% | 387.66% | 387.66% | 96.34% | 35.54% |
| Q1 2026 | 398.48% | 398.48% | 398.48% | 101.32% | 17.24% |
| Q2 2026 | 400.63% | 400.63% | 400.63% | 98.26% | 28.98% |
Credit First N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit First N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Credit First N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33855) · FFIEC NIC profile (RSSD 2122997)