CFG Bank
Lutherville, MD · Cert 34294 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · 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 78% of banks $1B-$10B in assets operating in a single state (rank 60 of 268).
- Widest gap: nonperforming loans / loans trails 97% of banks $1B-$10B in assets operating in a single state (rank 263 of 269).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.40%
Rank 87 of 269
Net Interest Margin
3.73%
Rank 89 of 269
Efficiency Ratio
51.08%
Rank 60 of 268
Equity / Assets
10.63%
Rank 120 of 269
Non-interest income vs. expense
Unfavorable gap of $84.4M · efficiency ratio beats 78% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.93% | 1.23% | 1.54% | Beats 68% | 87 / 269 | |
| Return on Equity | 13.21% | 9.13% | 11.77% | 14.52% | Beats 63% | 100 / 269 | |
| Net Interest Margin | 3.73% | 3.16% | 3.50% | 3.88% | Beats 67% | 89 / 269 | |
| Efficiency Ratio | 51.08% | 51.70% | 60.21% | 69.66% | Beats 78% | 60 / 268 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.86% | 0.19% | 0.45% | 0.89% | Beats 3% | 263 / 269 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.06% | Beats 26% | 200 / 269 | |
| Capital |
| Tier 1 Capital Ratio | 12.50% | 11.29% | 13.10% | 15.21% | Beats 42% | 157 / 269 | |
| Total Risk-Based Capital Ratio | 13.71% | 12.04% | 13.91% | 16.33% | Beats 47% | 143 / 269 | |
| Equity / Assets | 10.63% | 9.18% | 10.29% | 11.76% | Beats 55% | 120 / 269 | |
| Liquidity & Funding |
| Loans / Deposits | 77.93% | 72.68% | 86.29% | 95.72% | 33rd pctl | 180 / 269 | |
| Loans / Assets | 65.00% | 62.46% | 72.27% | 78.37% | 29th pctl | 190 / 269 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |