BlastPoint's Banking Scorecard
CFBank, National Association
Community
Specialty: Commercial
OH
FDIC cert 28263
Columbus, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
CFBank, National Association faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Community
- - Liquidity Strain: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+2.7% YoY
+0.3% QoQ
|
+$723.2M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.7B
+1.1% YoY
+0.8% QoQ
|
+$769.0M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$1.8B
+1.4% YoY
+0.1% QoQ
|
+$618.8M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.99%
+28.6% YoY
+10.0% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
2.92%
+13.9% YoY
+0.9% QoQ
|
-0.74% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
47.15%
-14.8% YoY
-2.0% QoQ
|
-15.48% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.88%
+3.0% YoY
+51.6% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
97.82%
-0.2% YoY
+0.7% QoQ
|
+14.75% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
16.11%
+2.4% YoY
+2.5% QoQ
|
-4.94% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.72%
+1.4% YoY
+52.3% QoQ
|
+0.23% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
13.85%
+11.2% YoY
+0.8% QoQ
|
+3.60% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.27%
+22.2% YoY
+30.4% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#6 of 642 · Bottom 1% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#114 of 513 · Bottom 22% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.82%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Efficiency Ratio
Current: 47.15% · Tier avg: 62.63%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.11% · Tier avg: 21.05%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.82% · Tier avg: 83.06%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.82% · Tier avg: 83.06%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.11% · Tier avg: 21.05%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
89
89th pctile
Efficiency Ratio
Current: 47.15% · Tier avg: 62.63%