founded on character cfbank has its roots in the clay-rich soil of wellsville, oh, where it was founded in 1892 as central federal savings and loan. central federal corporation is the holding company for cfbank. our principal market area for loans and deposits includes the following ohio counties: summit county through our office in fairlawn, ohio; franklin county through our office in worthington, oh; cuyahoga county through our office in woodmere, and columbiana county through our offices in calcutta and wellsville, oh.