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CFG Bank

Lutherville, MD · Cert 34294 · Capital Funding Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

CFG Bank

Lutherville, MD · Cert 34294 · Capital Funding Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$6.1BAssets
$4.0BLoans
$5.1BDeposits
$651.0MEquity
Loan mix
72%RE $2.7B28%C&I $1.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $4.5B12%Noninterest $0.6BQ2 2025Q2 2026

NIM

8.06%Q2 ’247.33%Q2 ’256.67%Q2 ’26-12%-9%

Non-interest income vs. expense

2.22%Q2 ’242.57%Q2 ’252.38%Q2 ’26+27%-19%

Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 4.8% share · #6 of 40 inst. · $5.1B of $106.1B

18.1% Baltimore
1.0% Anne Arundel
0.2% Baltimore (City)

Executive Summary

  • Earnings: ROA of 1.47%, up 20 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 3.86% of loans (-93 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 11.29%, up 19 bps from a year ago.
  • Funding: loans stand at 77.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.47%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-35 bps YoY

Efficiency Ratio (YTD, annualized)

51.08%-184 bps YoY

Tier 1 Leverage Ratio

11.29%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.31%1.43%1.59%1.47%+20 bps
Return on Equity11.87%12.12%13.16%14.25%13.33%+146 bps
Net Interest Margin4.08%4.00%3.97%3.76%3.73%-35 bps
Efficiency Ratio52.93%53.88%51.22%48.97%51.08%-184 bps
Non-Interest Burden1.80%1.86%1.70%1.54%1.45%-34 bps
Growth
Asset Growth (YoY)6.75%3.93%6.28%5.63%11.06%+431 bps
Loan Growth (YoY)4.99%1.33%7.15%3.80%6.42%+143 bps
Deposit Growth (YoY)7.17%4.17%5.35%4.76%6.09%-109 bps
Asset Quality
Nonperforming Loans / Loans4.79%3.92%3.42%3.54%3.86%-93 bps
Net Charge-Offs / Loans0.62%0.51%0.44%0.19%0.12%-50 bps
Allowance / Loans1.57%1.55%1.39%1.39%1.46%-11 bps
Allowance Coverage of NPLs0.3x0.4x0.4x0.4x0.4x+0.1x
Capital
Tier 1 Leverage Ratio11.10%11.24%11.62%11.19%11.29%+19 bps
Total Risk-Based Capital13.17%13.84%13.30%13.80%13.71%+55 bps
Equity / Assets10.89%11.27%11.15%11.23%10.63%-26 bps
Liquidity & Funding
Loans / Deposits77.68%76.72%78.57%77.01%77.93%+25 bps
Liquid Assets / Assets8.74%10.85%9.84%9.95%8.57%-17 bps
CRE / Total Capitaln/a444%447%418%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

CFG Bank

Lutherville, MD · Cert 34294 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Capital Funding Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$6.1BAssets
$4.0BLoans
$5.1BDeposits
$651.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 77% of banks $1B-$10B in assets operating in a single state (rank 61 of 266).
  • Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets operating in a single state (rank 261 of 267).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.40%

Rank 87 of 267

Net Interest Margin

3.73%

Rank 88 of 267

Efficiency Ratio

51.08%

Rank 61 of 266

Equity / Assets

10.63%

Rank 119 of 267

Non-interest income vs. expense

$53.6M$138.0MINCOMEEXPENSE
Unfavorable gap of $84.4M · efficiency ratio beats 77% of banks $1B-$10B in assets operating in a single state
Bank 51.08%Peer median 60.2%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.93%1.23%1.55%Beats 67%87 / 267
Return on Equity13.21%9.16%11.84%14.56%Beats 63%100 / 267
Net Interest Margin3.73%3.12%3.50%3.88%Beats 67%88 / 267
Efficiency Ratio51.08%51.36%60.21%69.66%Beats 77%61 / 266
Asset Quality
Nonperforming Loans / Loans3.86%0.19%0.46%0.89%Beats 3%261 / 267
Net Charge-Offs / Loans0.06%0.01%0.02%0.06%Beats 27%197 / 267
Capital
Tier 1 Capital Ratio12.50%11.29%13.05%15.13%Beats 42%156 / 267
Total Risk-Based Capital Ratio13.71%11.95%13.87%16.27%Beats 47%142 / 267
Equity / Assets10.63%9.18%10.29%11.76%Beats 55%119 / 267
Liquidity & Funding
Loans / Deposits77.93%72.68%86.16%95.22%33rd pctl179 / 267
Loans / Assets65.00%62.46%71.96%78.38%29th pctl189 / 267
Brokered Deposits / Depositsn/aNot reported for this institution