BlastPoint's Banking Scorecard
CFBank, National Association
Designations: ✓ Community bank
Columbus, OH
7 branches across OH · IN
CFBank, National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.98% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.7% in tier
- - Liquidity Strain: Bottom 17.4% in tier
- - NIB Deposit Bleed: Bottom 30.6% in tier
- - ROA 0.24% below tier average
- - Net Interest Margin 0.99% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+2.4% YoY
+1.4% QoQ
|
-$674.2M |
$2.8B
-0.1% YoY
|
$36.0B
+10.6% YoY
|
$6.2B
+9.0% YoY
|
54% |
| Total Loans ? |
$1.8B
+0.6% YoY
+1.2% QoQ
|
-$201.3M |
$2.0B
+0.6% YoY
|
$15.8B
+12.8% YoY
|
$3.2B
+10.7% YoY
|
61% |
| Total Deposits ? |
$1.8B
+1.2% YoY
+1.6% QoQ
|
-$533.5M |
$2.3B
-0.3% YoY
|
$26.1B
+8.5% YoY
|
$4.8B
+8.0% YoY
|
55% |
| Return on Assets ? |
1.12%
+14.3% YoY
+13.4% QoQ
|
-0.24% |
1.37%
+19.6% YoY
|
1.13%
+9.6% YoY
|
1.24%
+13.1% YoY
|
42% |
| Net Interest Margin ? |
2.83%
+1.5% YoY
-3.3% QoQ
|
-0.99% |
3.82%
+6.9% YoY
|
3.59%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio ? |
51.07%
-11.2% YoY
+8.3% QoQ
|
-9.98% |
61.05%
-4.6% YoY
|
72.32%
-4.0% YoY
|
66.84%
-3.8% YoY
|
76% |
| Delinquency Rate ? |
1.15%
+38.6% YoY
+31.0% QoQ
|
+0.26% |
0.89%
+14.1% YoY
|
0.66%
+14.5% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
97.43%
-0.6% YoY
-0.4% QoQ
|
+13.22% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.69%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
13.32%
-19.9% YoY
-17.3% QoQ
|
-7.96% |
21.28%
-2.5% YoY
|
18.19%
-0.4% YoY
|
22.01%
-1.1% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.95%
+31.4% YoY
+30.7% QoQ
|
+0.27% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.66%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
13.95%
+10.8% YoY
+0.7% QoQ
|
-1.22% |
15.17%
+2.0% YoY
|
19.42%
+3.1% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.07%
+22.1% YoY
-75.1% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.57%
-2.5% YoY
|
0.32%
+4.0% YoY
|
17% |
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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 (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.