FDIC Cert #33855 · Brook Park, Ohio · Est. 1993

Credit First National Association - FDIC Bank Health Profile

A community-scale look at Credit First National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$39M
Total assets
A
Health grade · Excellent
28.95%
Return on assets
387.7%
Tier 1 capital

Data updated July 2026

The verdict

Credit First National Association earns a PlainBankData health grade of A (89/100), with well-capitalized at 387.66% Tier 1, profitable at 28.95% ROA, 75% efficiency ratio.

#4,192
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
387.66%
Tier 1 ratio - above the 10% well-capitalized line
100th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 33855 · OH A · 89/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-RICH

  • GRADE-A A (89/100)
  • UPPER-Q #842/4307
  • PHOTO-FINISH ClearPoint Federal B… · IN
  • TIER1-WELL 387.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 28.95% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-RICH 8/9 fields

Nearest health peer outside Ohio: ClearPoint Federal Bank & Trust, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Credit First

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100ClearPoint Federal B… · IN ·…89/100Credit First Nationa… · OH ·…89/100Edward Jones Trust C… · MO ·…89/100nbkc bank · KS · near89/100Slovenian Savings an… · PA ·…89/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Credit First · July 2026

Call Report read for Credit First in a high-failure state

Credit First National Association (FDIC Cert #33855) carries a PlainBankData health grade of A at 89/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #842 of 4,307. Tier 1 capital prints at 387.66%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 28.95%. Balance-sheet scale is $39M, 4,192nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is ClearPoint Federal Bank & Trust (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Credit First

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Credit First National Association sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Credit First National Association's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How Credit First National Association's 89/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10089/100
Credit First National Association's composite health score
Tier 1 Capital Ratio (387.66%) 40/40
Return on Assets (ROA) (28.95%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (75.33%) 4/15

89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$39M

Total balance-sheet footings

Total Deposits

$500K

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 100% 200% 300% 400% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 386.26% 387.66% 389.06%
Basel III capital ratios - Credit First National Association

Where Credit First National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Credit First National Association's score of 89/100 falls in the highlighted band.

Credit First National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

89 Top 20% higher than 80% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Credit First 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Credit First National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Credit First National Association's $39M falls in the highlighted band.

Capital & credit buffers at Credit First

Tier 1 capital ratio
Well-capitalized 10%

387.66% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
387.66%
Texas Ratio
0.00%
Equity Capital
$37M

What these ratios mean →

Earnings posture at Credit First

Return on Assets (ROA)
100th percentile nationally
28.95%
Return on Equity (ROE)
30.09%
Efficiency Ratio
75.33%

What these mean →

Income & expense at Credit First

$4K
Interest Income
$59M
Non-Interest Income
$44M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Credit First National Association reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Credit First National Association on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($39M here), outside Ohio so the neighborhood is not state containment.

The Farmers State Bank of Turton $39M · SD GS&L Municipal Bank $39M · NY Heritage Bank $39M · IA Bank Of Jackson Hole Trust $39M · WY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Credit First National Association (FDIC Cert #33855) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Credit First National Association Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%