CFG Bank
CFG Bank reported total assets of $6.1 bn at Q2 2026, up 11.1% on a year earlier, the 244th largest of 497 banks in our US coverage. The CET1 capital ratio at CFG Bank was 12.50%, and the uninsured share of CFG Bank was 14.69%. Source: FDIC Call Reports.
Key takeaways
- On net interest margin, CFG Bank slipped from 63rd to 168th among 500 US banks between and (1 = highest; FDIC Call Reports).
- CFG Bank has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 3.86% at , against a median of 0.58% across 339 banks (FDIC Call Reports).
- Over the year to , the net interest margin of CFG Bank fell by 0.43 pp to 3.91%, a bigger fall than at 97% of covered banks (FDIC Call Reports).
What sets CFG Bank apart
- The uninsured share of domestic deposits of CFG Bank, 14.69% at , places CFG Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 32.61%).
How large is CFG Bank?
The balance sheet of CFG Bank at : assets $6.1 bn, deposits $5.1 bn, net loans $3.9 bn (loans equal to 76.79% of deposits). Securities make up 24.0% of total assets at CFG Bank. Since , when CFG Bank held $616.7 mn, its assets grew 892.6%. In the year to , deposits at CFG Bank rose 6.1% while its total assets rose 11.1%. At , CFG Bank employed 306 full-time equivalent staff across 3 offices, about $20.0 mn of assets per employee and $1.7 bn of deposits per office.
How much funding at CFG Bank is uninsured?
At CFG Bank, uninsured deposits (above the FDIC limit) made up 14.69% of domestic deposits at (-0.20 pp on a year earlier); CFG Bank ranks 449th of 500 on this measure. In dollars, CFG Bank estimated $749.8 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.1 bn | +6.1% | 244th of 499 |
| Net loans and leases | $3.9 bn | +6.5% | 263rd of 500 |
| Loan-to-deposit ratio | 76.79% | +0.33 pp | 373rd of 500 |
| Tier 1 leverage ratio | 11.29% | +0.19 pp | 147th of 500 |
| Total risk-based capital ratio | 13.71% | +0.55 pp | 281st of 448 |
| Net interest margin | 3.91% | -0.43 pp | 168th of 500 |
| Return on assets (ROA) | 1.47% | +0.20 pp | 165th of 500 |
| Efficiency ratio | 51.08% | -1.84 pp | 152nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.5 mn | Narrowed by $304,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $7.9 mn | Widened by $2.2 mn | |
| Noncurrent loans to total loans | 3.86% | -0.93 pp | 490th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.12% | -0.51 pp | 294th of 500 (1 = lowest) |
US rank of CFG Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
CFG Bank: assets, deposits and loans
- Total assets $6.1bn
- Deposits $5.1bn
- Net loans $3.9bn
Capital and securities
The CET1 ratio of CFG Bank stood at 12.50% in , +0.54 pp year on year. Low and high at CFG Bank since : 10.53% () to 19.58% (). Equity capital of CFG Bank at : $651.0 mn, or 10.6% of total assets. CFG Bank also reported a total capital ratio of 13.71% for , and a tier 1 leverage ratio of 11.29%.
On held-to-maturity securities, CFG Bank carried an unrealized loss of $1.5 mn at , equal to 0.2% of equity capital. The loss narrowed by $304,000 over the year. Its deepest point: $9.2 mn in . The available-for-sale portfolio of CFG Bank showed an unrealized loss of $7.9 mn at ; the loss widened by $2.2 mn over the year.
CFG Bank: capital ratios
- Total capital 14%
- CET1 12%
- Tier 1 leverage 11%
CFG Bank: unrealized securities gains and losses
- Available for sale -$8mn
- Held to maturity -$1mn
Profitability and loan quality
For the year to , CFG Bank earned a return on equity of 13.33%; return on assets: 1.47%. Net interest margin at CFG Bank: 3.91%, -0.43 pp in a year. CFG Bank net income: $43.0 mn, up 24.7% year on year. The efficiency ratio of CFG Bank was 51.08%: about 51 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 3.86% of total loans at CFG Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at CFG Bank: $4.0 bn, up 6.4% in a year.
CFG Bank: profitability
- Return on equity 13%
- Net interest margin 3.9%
- Return on assets 1.5%
Peer group of CFG Bank
The peer group of CFG Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of CFG Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Maryland. Against them, CFG Bank shows CET1 ratio 12.50% against a peer median of 12.90%, return on equity 13.33% against a peer median of 11.18% and uninsured deposit share 14.69% against a peer median of 36.78%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Financial Bank | National bank | IN | $6.2 bn | 12.62% | 13.45% | 36.41% | |
| Middlesex Savings Bank | State nonmember bank | MA | $6.1 bn | 18.24% | 5.57% | 22.40% | |
| Shore United Bank | National bank | MD | $6.1 bn | 12.31% | 12.02% | 17.98% | |
| CFG Bank | State nonmember bank | MD | $6.1 bn | 12.50% | 13.33% | 14.69% | |
| SmartBank | State member bank | TN | $6.1 bn | 11.38% | 10.34% | 47.93% | |
| Bradesco Bank | State nonmember bank | FL | $6.1 bn | 13.93% | 9.99% | 63.89% | |
| River City Bank | State nonmember bank | CA | $6.0 bn | 13.18% | 13.41% | 37.15% | |
. FDIC Call Reports.
Last eight quarters
Two years at CFG Bank, to : assets +16.2%, deposits +11.7%, equity +10.8%. Staff 294 to 306.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.3 bn | $5.4 bn | $5.4 bn | $5.5 bn | $5.5 bn | $5.7 bn | $5.7 bn | $6.1 bn |
| Total deposits | $4.6 bn | $4.7 bn | $4.7 bn | $4.8 bn | $4.8 bn | $5.0 bn | $5.0 bn | $5.1 bn |
| Bank equity capital | $587.5 mn | $560.0 mn | $582.3 mn | $600.4 mn | $617.1 mn | $639.8 mn | $643.6 mn | $651.0 mn |
| CET1 ratio | 12.21% | 11.61% | 11.98% | 11.96% | 12.62% | 12.19% | 12.68% | 12.50% |
| Return on equity (ROE) | 15.90% | 11.57% | 11.91% | 11.87% | 12.11% | 13.16% | 14.25% | 13.33% |
| Uninsured share of domestic deposits | 14.27% | 14.09% | 13.49% | 14.89% | 15.66% | 14.59% | 14.66% | 14.69% |
| Full-time equivalent employees | 294 | 297 | 305 | 315 | 314 | 309 | 307 | 306 |
| Number of offices | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at CFG Bank
- Total assets at CFG Bank changed by +33.5% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at CFG Bank changed by +27.1% in the quarter to 2022-09-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of CFG Bank?
CFG Bank reported $6.1 bn at in its Call Report. That makes CFG Bank the 244th largest of 497 banks in our US coverage.
Is CFG Bank the same as its holding company?
No. This page covers CFG Bank, FDIC certificate 34294; CAPITAL FUNDING BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is CFG Bank profitable?
CFG Bank reported net income of $43.0 mn for the year to ; annualized return on equity: 13.33%. So yes: CFG Bank made a profit over these months.
When is data for CFG Bank next updated?
Figures from CFG Bank for are due after .
Where can I check the figures for CFG Bank?
In the FDIC BankFind Suite record for certificate 34294, and in the Call Reports of CFG Bank (RSSD ID 2471239) at the FFIEC Central Data Repository.