CFBank, National Association: how it compares with its peers
Against 24 OH banks with half to twice its assets, CFBank, National Association's strongest measure in Q2 2026 is assets per employee ($20.3M vs. a $7.3M peer median). Its weakest relative measure is net interest margin (2.96% vs. 3.70%).
| Measure | CFBank, National Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.27% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.96% | 3.70% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.36% | 59.35% | Top third Ahead of 88% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $20.3M | $7.3M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.41% | 85.55% | Context |
What it means for lending operations
Its efficiency ratio of 48.36% is better than the 59.35% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- LCNB National Bank Lebanon, OH · $2.22B
- Waterford Bank, N.A. Toledo, OH · $1.77B
- Sutton Bank Attica, OH · $1.74B
- The Ohio Valley Bank Company Gallipolis, OH · $1.65B
- The State Bank and Trust Company Defiance, OH · $1.61B
- THE VINTON COUNTY NATIONAL BANK Mcarthur, OH · $1.59B
Questions about CFBank, National Association
How big is CFBank, National Association?
CFBank, National Association, established in 1892, is headquartered in Columbus, OH. It reported $2.17B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is CFBank, National Association's return on assets?
1.20% annualized in Q2 2026, against a 1.27% median for 24 OH banks with half to twice its assets, ahead of 46% of them.
What is CFBank, National Association's efficiency ratio?
48.36% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 59.35%, and lower is better.
Is CFBank, National Association growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.