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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Cfbank National Association

Columbus, Ohio · $2.17B in assets · beside the 11 other Ohio banks between $1B and $3B

The filing

99.5%
Loans / deposits
11th of 12
1.14%
NPA / loans
11th of 12
0.9x
Coverage of noncurrent
11th of 12

Cfbank National Association is the third largest of the 12 Ohio banks nearest its size between $1B and $3B, with $2.17B in assets at 30 June 2026. Loans are 99.5% of deposits, 11th of 12 against a median of 88.1%, and equity is 11.4% of assets, 3rd of 12. Loans grew +2.6% in the year, 9th of 12, and deposits grew 1.2%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 1.14% of the book, 11th of 12 against a median of 0.32%; 0.18% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 41.3% of loans, 10th of 12 against a median of 32.5%, and 279% of capital, below the 300% screen, with construction at 94% against the 100% screen. CRE has grown +51.8% over 36 months, past the guidance's 50% prong.

Return on assets is 1.21%, 6th of 12 against a median of 1.19%, on an efficiency ratio of 48.4%, 3rd of 12. Five years ago it was 1.33%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsOH banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 88.1% SB Sutton Bank 29.8% UB Union Bank Co. 72.5% VC Vinton County National Bank 81.2% CC Croghan Colonial Bank 81.8% SB State Bank & Trust Co. 85.5% OV Ohio Valley Bank Co. 87.3% GS Guardian Savings Bank 89.0% WB Waterford Bank N A 89.7% MS Main Street Bank Corp. 92.7% LN LCNB National Bank 93.6% CN Cfbank National Association 99.5% FF First Federal Savings & Loan Association of Lakewood 108.6%
Loans, year over yearOH banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.6% CC Croghan Colonial Bank +19.3% SB Sutton Bank +14.1% OV Ohio Valley Bank Co. +13.3% MS Main Street Bank Corp. +9.7% UB Union Bank Co. +9.4% SB State Bank & Trust Co. +8.1% VC Vinton County National Bank +7.2% WB Waterford Bank N A +3.6% CN Cfbank National Association +2.6% GS Guardian Savings Bank +1.5% LN LCNB National Bank -0.9% FF First Federal Savings & Loan Association of Lakewood -1.8%

SBA 7(a), FY2008 to FY2026

Cfbank National Association is the 23rd largest 7(a) lender into Ohio of 361, with $124M across 154 loans, 0.8% of everything approved in the state (The Huntington National Bank leads with $5.20B). 18 of its 30 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Summit, OH$28M4th of 1063.2%-4.8 pts
Franklin, OH$21M21st of 1661.0%-1.4 pts
Hamilton, OH$14M20th of 1221.0%-1.8 pts
Cuyahoga, OH$11M29th of 1450.6%-0.7 pts
Fairfield, OH$7M5th of 603.6%-15.5 pts
Warren, OH$7M13th of 881.8%quiet FY2021
Medina, OH$6M9th of 572.1%+2.4 pts
Lake, OH$6M11th of 731.9%thin
Stark, OH$5M15th of 761.2%-5.4 pts
East Baton Rouge, LA$5M25th of 1171.1%thin
Delaware, OH$5M20th of 881.1%quiet FY2022
Clermont, OH$3M20th of 591.1%thin
Pickaway, OH$3M4th of 287.0%quiet FY2018
17 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing29$26M18.1%0.07%248th of 2,246
Professional & technical services27$20M14.3%0.06%189th of 1,955
Wholesale trade9$16M11.2%0.06%215th of 1,651
Health care & social assistance16$13M9.0%0.03%333rd of 2,172
Accommodation & food services16$12M8.1%0.02%526th of 2,596
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Cfbank National Association
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans CN Cfbank National Association 0.8% $124M · 154 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Cfbank National AssociationRankCohort median
Total CRE against capital, the 300% screen279%10th of 12226%
Construction against capital, the 100% screen94%12th of 1242%
Construction and land development, share of loans13.8%12th of 127.4%
Non-owner-occupied nonfarm nonresidential, share of loans17.5%8th of 1216.7%
Total CRE, the guidance definition, share of loans41.3%10th of 1232.5%
CRE growth over 36 months, the third prong+51.8%8th of 12+36.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Federal Savings & Loan Association of Lakewood$2.94B0.6%87.6%0.44%-0.48%0.8%108.6%8.0%
LCNB National Bank$2.22B1.2%62.8%0.34%0.32%0.8%93.6%12.9%
Cfbank National Association$2.17B1.2%48.4%1.14%-0.01%1.1%99.5%11.4%
Waterford Bank N A$1.77B1.2%49.7%0.68%-0.08%1.3%89.7%10.1%
Sutton Bank$1.74B3.7%44.4%0.02%-0.01%1.2%29.8%13.1%
Ohio Valley Bank Co.$1.65B0.9%60.6%1.45%0.06%1.3%87.3%10.0%
State Bank & Trust Co.$1.61B1.1%65.6%0.30%0.04%1.4%85.5%10.3%
Vinton County National Bank$1.59B1.2%59.2%0.27%0.09%1.0%81.2%10.5%
Main Street Bank Corp.$1.55B1.5%50.5%0.66%0.00%1.1%92.7%9.7%
Union Bank Co.$1.44B0.9%60.7%0.12%0.02%1.0%72.5%10.5%
Croghan Colonial Bank$1.41B1.2%59.6%0.08%0.02%1.1%81.8%10.0%
Guardian Savings Bank$1.39B2.0%47.2%0.20%0.00%1.0%89.0%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Cfbank National AssociationCohort median
20212026Change20212026Change
Loans$1.30B$1.82B+40%$819M$1.22B+48%
Deposits$1.17B$1.83B+56%$1.09B$1.41B+28%
NPA / loans0.03%1.14%+1.12 pts0.32%0.32%-0.00 pts
Efficiency61.4%48.4%-13.1 pts60.4%59.4%-1.0 pts
ROA1.33%1.21%-0.13 pts1.27%1.19%-0.08 pts

This read was prepared for Cfbank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Cfbank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks $1B to $3B
Institution www.cf.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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