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CFG Bank
Lutherville, MD·FDIC Cert #34294·Charter: STATE·Est. 19971201.0·HC: CAPITAL FUNDING BCORP INC
Total Assets
$5.7B
Q4 2025
Return on Assets
1.43%
+0.12%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.22%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.43%+0.12
ROE
13.16%+1.05
Efficiency
51.22%-2.66
Equity/Assets
0.00%+0.00
NPL Ratio
3.46%-0.52
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
77.49%+1.95
Charge-offs
0.47%-0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.6 | 2.1 | 1.7 | 1.3 | 1.3 | 1.3 | 1.3 | 1.4 |
| ROE | 24.1 | 19.3 | 15.9 | 11.6 | 11.9 | 11.9 | 12.1 | 13.2 |
| Efficiency | 40.5 | 40.9 | 46.0 | 44.4 | 52.3 | 52.9 | 53.9 | 51.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.4 | 4.4 | 4.1 | 6.8 | 6.3 | 4.9 | 4.0 | 3.5 |
| Charge-offs | -0.0 | 0.5 | 0.4 | 1.7 | 0.4 | 0.6 | 0.5 | 0.5 |
| Loan/Deposit | 79.8 | 78.0 | 77.6 | 76.1 | 76.5 | 76.5 | 75.5 | 77.5 |
Balance Sheet
Total Assets$5.7B
Total Deposits$5.0B
Total Loans$3.9B
Total Equity$639.8M
Profitability
ROA1.43%
ROE13.16%
Efficiency Ratio51.22%
Net Income$79.0M
Risk & Asset Quality
NPL Ratio3.46%
Charge-off Rate0.47%
Loan/Deposit77.49%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans