CF BANKSHARES INC., PARENT OF CFBANK NA, REPORTS RESULTS FOR THE 3rd QUARTER 2026.
CF Bankshares reported Q3 2026 net income of $6.0 million ($0.91 per diluted share), up 158% from $2.3 million ($0.36) in Q3 2025, with a 12.22% ROE and 1.14% ROA. Net interest margin expanded 3bps sequentially and 20bps year-over-year to 2.96%, while loans grew 2.2% in the quarter to $1.9 billion on $79 million of commercial loan fundings and customer fees rose 32% year-to-date. Asset quality shows some drift: nonaccruals rose to $20.4 million (1.10% of loans) from $15.3 million at year-end 2025, though the company notes the two largest 30-day-past-due relationships were brought current after quarter end.
Key figures
- Eps
- 0.91
- Nim
- 2.96%
- Roa
- 1.14%
- Roe
- 12.22%
- Gross loans
- 1857338000
- Ppnr q3 2026
- 7944000
- Total deposits
- 1857184000
- Ytd net income
- 16969000
- Efficiency ratio
- 52.45%
- Nonaccrual loans
- 20357000
- Provision q3 2026
- 551000
- Dividend per share
- 0.09
- Net income q3 2025
- 2340000
- Net income q3 2026
- 6033000
- Total capital ratio
- 14.69%
- Book value per share
- 29.83
- Tier1 leverage ratio
- 11.99%
- Net income yoy change
- 158%
- Net charge offs q3 2026
- 966000
- Nonperforming loans ratio
- 1.10%
- Commercial loan fundings q3
- 79000000
AI analysis
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