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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