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Cfbank, National Association
Columbus, OH · FDIC Certificate #28263 · Chartered 01/0
Total assets
$2.17B
Total deposits
$1.83B
Total equity
$246.12M
Net loans
$1.80B
Branches (offices)
7
Net income (YTD)
$12.84M
Rank: #572 of 4,213 U.S. banks by assets · #18 of 155 in Ohio. Assets changed 1.7% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 10.57% |
| Net interest margin (YTD) | 2.96% |
| Equity to assets | 11.36% |
| Tier 1 leverage ratio | 11.64% |
| Uninsured deposits (share of deposits) | 31.9% |
| Noncurrent loans (share of loans) | 1.14% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 98.4% |
| Real estate loans (share of loans) | 79.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.44B | 79.8% | |
| Commercial & industrial | $378.80M | 21.0% | |
| Consumer / individual | $3.41M | 0.2% | |
| Construction & development | $252.28M | 14.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.61B | $1.38B | $10.00M | $159.53M |
| Jun 2023 | $1.96B | $1.67B | $9.66M | $184.96M |
| Jun 2024 | $2.03B | $1.70B | $5.93M | $199.49M |
| Jun 2025 | $2.13B | $1.81B | $10.90M | $230.97M |
| Jun 2026 | $2.17B | $1.83B | $12.84M | $246.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.58B | 6 |
| Indiana | $250.33M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.83B.
Similar-sized banks
Isabella Bank ($2.17B) · Central Bank ($2.16B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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