TellerScore

CFBank, National Association is a national bank headquartered in Columbus, Ohio, in business for about 134 years. At the end of Q2 2026 it reported $2.2B in total assets and $1.8B in deposits, with 6 offices across 2 states.

CFBank, National Association has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 108th. Problem-loan coverage contributes the most (84/100, 7.8%); funding & liquidity contributes the least (43/100, 98% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.64%
Loan quality62/100
Noncurrent loans ÷ total loans: 1.14%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 98.4% · 31.9% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
596366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202459
Q4 202460
Q1 202562
Q2 202564
Q3 202566
Q4 202565
Q1 202664
Q2 202664
Tier 1 leverage ratio
5.00%8.38%11.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.11%
Q3 202410.36%
Q4 202410.33%
Q1 202510.55%
Q2 202511.20%
Q3 202511.19%
Q4 202511.40%
Q1 202611.76%
Q2 202611.64%
Noncurrent loans
0.57%0.86%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.84%
Q4 20240.84%
Q1 20250.82%
Q2 20250.94%
Q3 20250.57%
Q4 20250.87%
Q1 20261.14%
Q2 20261.14%
Return on assets
0.58%0.89%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.70%
Q4 20240.77%
Q1 20250.98%
Q2 20251.04%
Q3 20250.90%
Q4 20250.99%
Q1 20261.12%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$2.2B11.64%1.14%1.20%98.4%
Q1 202664$2.1B11.76%1.14%1.12%97.4%
Q4 202565$2.1B11.40%0.87%0.99%97.8%
Q3 202566$2.1B11.19%0.57%0.90%97.2%
Q2 202564$2.1B11.20%0.94%1.04%97.0%
Q1 202562$2.1B10.55%0.82%0.98%98.0%
Q4 202460$2.1B10.33%0.84%0.77%98.0%
Q3 202459$2.1B10.36%0.84%0.70%98.6%
Q2 202460$2.0B10.11%0.64%0.58%99.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.64%
72nd
Total risk-based capital14.76%
64th
Problem loans1.14%
23rd
Net charge-offs-0.01%
94th
Return on assets1.20%
45th
Net interest margin2.96%
14th
Efficiency ratio48.4%
81st
Loans to deposits98.4%
19th
Uninsured deposits31.9%
47th
Loan-loss reserves1.07%
40th
Texas ratio7.8%
24th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
LCNB National BankBank Lebanon, OH68 out of 100, Moderate$2.2B9.3%0.34%vs
Waterford Bank, N.A.Bank Toledo, OH66 out of 100, Moderate$1.8B10.4%0.68%vs
Sutton BankBank Attica, OH77 out of 100, Strong$1.7B10.0%0.02%vs
The Ohio Valley Bank CompanyBank Gallipolis, OH54 out of 100, Below average$1.6B9.7%1.45%vs
The State Bank and Trust CompanyBank Defiance, OH70 out of 100, Strong$1.6B10.0%0.30%vs
The Vinton County National BankBank Mcarthur, OH73 out of 100, Strong$1.6B10.5%0.27%vs

Deposit insurance

Is my money safe at CFBank, National Association?

Yes. CFBank, National Association is an FDIC-insured institution (FDIC certificate #28263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.9% of deposits ($584.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.76% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

CFBank, National Association lists 6 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, CFBank, National Association reported 367 home-loan applications under HMDA (LEI 549300ZGCIDP1G72QO72): 187 originated ($119,835,000 total), 14 denied, and 166 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
CFBank, National Association
Former names
CFBank; Central Federal Savings and Loan Association; Central Federal Bank
Type
National bank
FDIC certificate #
28263
RSSD ID
767974
Primary regulator
OCC
Holding company
Cf Bankshares Inc
Established
January 1, 1892
Headquarters
4960 E Dublin Granville Rd, Columbus, OH 43081
Employees
107

Quick answers

CFBank, National Association: common questions

Is CFBank, National Association FDIC insured?

Yes. CFBank, National Association is an FDIC-insured institution (FDIC certificate #28263). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CFBank, National Association's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has CFBank, National Association ever failed?

There is no failure record for FDIC certificate #28263 in the FDIC failed bank list.

How many branches does CFBank, National Association have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Columbus

InstitutionScoreAssetsCapitalProblem loansCompare
Nationwide Trust Company, FSBBank Columbus, OH94 out of 100, Very strong$153.6M36.9%0.00%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
State Highway Patrol Federal Credit UnionCredit union Columbus, OH88 out of 100, Very strong$92.2M13.5%0.06%vs
Firestone Federal Credit UnionCredit union Akron, OH82 out of 100, Strong$198.1M18.1%1.15%vs
Fidelity Federal Savings and Loan Association of DelawareBank Delaware, OH82 out of 100, Strong$131.6M17.0%0.04%vs