CFG Bank
Lutherville, MD · Cert 34294 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 58 of 257).
- Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets operating in a single state (rank 253 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.40%
Rank 83 of 258
Net Interest Margin
3.73%
Rank 86 of 258
Efficiency Ratio
51.08%
Rank 58 of 257
Equity / Assets
10.63%
Rank 114 of 258
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% | 83 / 258 | |
| Return on Equity | 13.21% | 9.26% | 11.84% | 14.74% | Beats 62% | 99 / 258 | |
| Net Interest Margin | 3.73% | 3.16% | 3.49% | 3.88% | Beats 67% | 86 / 258 | |
| Efficiency Ratio | 51.08% | 51.71% | 60.30% | 69.65% | Beats 78% | 58 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.86% | 0.19% | 0.46% | 0.90% | Beats 2% | 253 / 258 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 28% | 187 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 12.50% | 11.41% | 12.98% | 15.12% | Beats 41% | 153 / 258 | |
| Total Risk-Based Capital Ratio | 13.71% | 12.10% | 13.91% | 16.08% | Beats 47% | 138 / 258 | |
| Equity / Assets | 10.63% | 9.09% | 10.24% | 11.72% | Beats 56% | 114 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 77.93% | 73.24% | 86.34% | 95.95% | 33rd pctl | 172 / 258 | |
| Loans / Assets | 65.00% | 63.01% | 72.27% | 78.40% | 28th pctl | 186 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |