Lutherville, MD · Cert 34294 · Capital Funding Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Baltimore-Columbia-Towson, MD · 2026 SOD (annual) · 4.8% share · #6 of 40 inst. · $5.1B of $106.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | -0.15% | 1.26% | 1.28% | 1.39% | 1.81% | 1.59% | 1.36% | +8 bps | |
| Return on Equity | 9.44% | -1.41% | 11.91% | 11.82% | 12.57% | 16.13% | 14.25% | 12.44% | +62 bps | |
| Net Interest Margin | 4.50% | 3.76% | 3.90% | 4.27% | 3.93% | 3.88% | 3.76% | 3.71% | -56 bps | |
| Efficiency Ratio | 59.73% | 40.22% | 52.30% | 53.43% | 55.98% | 43.28% | 48.97% | 52.93% | -51 bps | |
| Non-Interest Burden | 2.92% | 0.61% | 1.82% | 1.77% | 2.02% | 1.23% | 1.54% | 1.37% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.60% | 7.44% | 7.26% | 6.75% | 3.93% | 6.28% | 5.63% | 11.06% | +431 bps | |
| Loan Growth (YoY) | 1.04% | 2.90% | 3.58% | 4.99% | 1.33% | 7.15% | 3.80% | 6.42% | +143 bps | |
| Deposit Growth (YoY) | 3.60% | 8.25% | 8.06% | 7.17% | 4.17% | 5.35% | 4.76% | 6.09% | -109 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.02% | 6.67% | 6.25% | 4.79% | 3.92% | 3.42% | 3.54% | 3.86% | -93 bps | |
| Net Charge-Offs / Loans | 0.16% | 5.45% | 0.36% | 0.89% | 0.24% | 0.36% | 0.19% | 0.06% | -83 bps | |
| Allowance / Loans | 1.66% | 1.52% | 1.55% | 1.57% | 1.55% | 1.39% | 1.39% | 1.46% | -11 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.2x | 0.2x | 0.3x | 0.4x | 0.4x | 0.4x | 0.4x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.21% | 10.92% | 10.89% | 11.10% | 11.24% | 11.62% | 11.19% | 11.29% | +19 bps | |
| Total Risk-Based Capital | 13.46% | 12.77% | 13.19% | 13.17% | 13.84% | 13.30% | 13.80% | 13.71% | +55 bps | |
| Equity / Assets | 11.15% | 10.37% | 10.73% | 10.89% | 11.27% | 11.15% | 11.23% | 10.63% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.87% | 77.25% | 77.73% | 77.68% | 76.72% | 78.57% | 77.01% | 77.93% | +25 bps | |
| Liquid Assets / Assets | 12.66% | 11.71% | 9.63% | 8.74% | 10.85% | 9.84% | 9.95% | 8.57% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 444% | 447% | 418% | n/a | n/a | |