BlastPoint's Banking Scorecard

CFBank, National Association

$1B-$10B Specialty: Commercial OH FDIC cert 28263

Designations: ✓ Community bank

Columbus, OH

7 branches across OH · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
Deposits +1.2% year over year ($1.8B on the books).
Delinquency rate 1.16%.
Return on assets 1.20%.
Efficiency ratio 48.36% vs a 59.73% peer average.
Loan-to-deposit ratio 98.41% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH

View $1B-$10B leaderboard (OH) →

CFBank, National Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 11.37% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 14.4% in tier
- Liquidity Strain: Bottom 30.2% in tier
- ROA 0.19% below tier average
- Net Interest Margin 0.91% below tier average

Get updates when CFBank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$2.2B +1.7% YoY +1.1% QoQ	-$625.9M	$2.8B -0.6% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$1.8B +2.7% YoY +2.2% QoQ	-$160.2M	$2.0B -0.3% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$1.8B +1.2% YoY +1.1% QoQ	-$486.8M	$2.3B -0.5% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	1.20% +15.2% YoY +6.8% QoQ	-0.19%	1.39% +17.0% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	2.96% +2.3% YoY +4.8% QoQ	-0.91%	3.87% +6.2% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Bottom 13.6% in tier
Efficiency Ratio ?	48.36% -9.0% YoY -5.3% QoQ	-11.37%	59.73% -12.6% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	1.16% +22.0% YoY +0.4% QoQ	+0.29%	0.87% +11.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	98.41% +1.5% YoY +1.0% QoQ	+13.38%	85.04% -0.1% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	15.06% -8.3% YoY +13.0% QoQ	-6.22%	21.27% -1.5% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.96% +19.4% YoY +1.4% QoQ	+0.29%	0.67% +11.7% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	13.55% +0.7% YoY -2.9% QoQ	-1.29%	14.84% -0.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.14% +14.7% YoY +106.3% QoQ	-0.39%	0.53% +2.5% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	15.1% -1.4pp YoY +1.7pp QoQ	-6.3pp	21.4%	18.8%	22.2%	27%
Brokered Deposits	18.2% -7.3pp YoY -4.1pp QoQ	+8.8pp	9.5%	7.7%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	21.0% -2.7pp YoY -0.3pp QoQ	+7.0pp	14.0%	10.2%	12.5%	82%
CRE	54.2% +5.6pp YoY +1.7pp QoQ	+4.1pp	50.0%	34.2%	41.4%	62%
1-4 Family	25.7% -2.6pp YoY -1.3pp QoQ	-0.8pp	26.4%	50.0%	31.3%	57%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	4.7%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	13.6% +0.1pp YoY -0.4pp QoQ	-2.0pp	15.6%	22.1%	19.7%	51%
Leverage Ratio	11.6% +0.4pp YoY -0.1pp QoQ	+0.3pp	11.3%	12.9%	12.6%	72%
Total Capital Ratio	14.8% +0.1pp YoY -0.4pp QoQ	-1.9pp	16.7%	23.2%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	107 -1 (-0.9%) YoY +11 (+11.5%) QoQ	-207	313	2,433	482	9%
Assets per Employee ($)	$20.3M +2.6% YoY -9.3% QoQ	+$9.8M	$10.5M	$7.6M	$8.8M	95%
Branch Count	7 -1 (-12.5%) YoY -1 (-12.5%) QoQ	-13	20	81	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	1.2% +0.2pp YoY 0.0pp QoQ	+0.3pp	0.8%	0.6%	1.0%	78%
Allowance Coverage	0.93x -18.9% YoY +1.7% QoQ	-17.78x	18.71x	18.95x	20.23x	21%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	10.6% +0.6pp YoY +0.7pp QoQ	-2.0pp	12.6%	9.7%	11.6%	38%
Cost of Funds (YTD)	2.8% -0.4pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.7%	1.7%	91%
Net Income ($, YTD)	$12.8M +17.8% YoY — QoQ	-$6.4M	$19.2M	$259.3M	$40.4M	52%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#59 of 402 • Bottom 14.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#110 of 361 • Bottom 30.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.41%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

167

Efficiency Ratio

profitability

Value: 48.36%

Peer Median: 59.73%

#167 of 885 Top 18.8% in $1B-$10B

Top Weaknesses (5 metrics)

766

Net Interest Margin

profitability

Value: 2.96%

Peer Median: 3.87%

#766 of 885 Bottom 13.6% in $1B-$10B

738

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.53%

#738 of 885 Bottom 16.7% in $1B-$10B

721

Loan-to-Deposit Ratio

liquidity

Value: 98.41%

Peer Median: 85.04%

#721 of 885 Bottom 18.6% in $1B-$10B

682

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.67%

#682 of 885 Bottom 23.1% in $1B-$10B

675

Delinquency Rate

credit_quality

Value: 1.16%

Peer Median: 0.87%

#675 of 882 Bottom 23.6% in $1B-$10B