Cfsbank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Cfsbank spends more to run itself than most banks of its size. Its balance sheet stood at $773 million at June 30, 2026, down 6.5% from a year earlier; it is based in Charleroi, Pennsylvania. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 88 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 10.2% and deposits fell 10.5%. Unrealized losses on its securities total $13 million, equal to 16% of Tier 1 capital, against 20% a year earlier. Its margin is thin by comparison: it keeps 2.19 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Cfsbank reported a CET1 capital ratio of 19.55%, a return on assets of 0.27%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.53%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 101 Mckean Ave, Charleroi, PA 15022
- County
- Washington
- Metro Area
- Pittsburgh, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1935
- Former names
- Charleroi Federal Savings Bank (1990-2015)
- Offices
- 11 domestic
- Employees (FTE)
- 107
- Domestic deposits
- $642.2M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $762.4M
- Average total loans
- $483.0M
- Average interest-bearing deposits
- $570.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29672
- Fed RSSD
- 100777
- Website
- www.cfsbank.bank →
- Parent Holding Company
- CF FINANCIAL CORPORATION (RSSD 3831278)
- Ultimate Parent
- CHARLEROI FINANCIAL MHC (RSSD 3831269)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cfsbank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cfsbank, freeCfsbank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.55% | 0.27% | 0.24% | 1.53% | 2.19% |
| Q1 2026 | 20.07% | 0.16% | 0.20% | 1.30% | 2.13% |
| Q4 2025 | 20.47% | 0.13% | 0.27% | 1.70% | 2.04% |
| Q3 2025 | 20.52% | 0.19% | 0.33% | 2.02% | 1.99% |
| Q2 2025 | 20.96% | 0.28% | 0.22% | 1.41% | 1.89% |
| Q1 2025 | 21.02% | 0.16% | 0.27% | 1.71% | 1.84% |
| Q4 2024 | 21.51% | 0.14% | 0.22% | 1.41% | 1.79% |
| Q3 2024 | 21.88% | 0.06% | 0.22% | 1.36% | 1.85% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cfsbank (main office) | Charleroi , PA | 15022 | $322.2M |
| 1652 Rostraver Road Branch | Belle Vernon , PA | 15012 | $73.9M |
| 919 Main St Branch | Bentleyville , PA | 15314 | $59.6M |
| 1220 West Main St Branch | Monongahela , PA | 15063 | $58.7M |
| 400 W Crawford Avenue Branch | Connellsville , PA | 15425 | $38.5M |
| Seven Fields Branch | Seven Fields , PA | 16046 | $23.2M |
| Washington Branch | Washington , PA | 15301 | $22.8M |
| Peters Township Branch | Mc Murray , PA | 15317 | $18.9M |
| Hempfield Branch | Greensburg , PA | 15601 | $17.1M |
| Southpointe Branch | Canonsburg , PA | 15317 | $7.4M |
Regulatory record
What the public regulatory sources show for Cfsbank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 5 against individuals associated with it
- March 12, 2019, OCC: Formal Agreement: Cfsbank
- Period: Most recent institution action March 12, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in PA, rank 69 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 451 applications, 341 loans originated, $91.0M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cfsbank
What are Cfsbank's total assets?
As of the Q2 2026 filing, Cfsbank reported total assets of $773.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cfsbank headquartered?
Cfsbank is headquartered in Charleroi, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Cfsbank founded?
Cfsbank was established in 1935, per the FDIC institution directory.
Is Cfsbank FDIC-insured?
Yes. Cfsbank is an FDIC-insured savings bank (FDIC Certificate #29672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cfsbank?
Cfsbank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cfsbank's CET1 capital ratio?
Cfsbank reported a Common Equity Tier 1 (CET1) capital ratio of 19.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cfsbank operate?
Cfsbank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cfsbank's Texas Ratio?
Cfsbank's Texas Ratio is 1.53% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Cfsbank previously called?
The charter now named Cfsbank has also operated as Charleroi Federal Savings Bank (1990-2015), per FDIC structure-change records.
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