CFSBANK

CHARLEROI, PA | Medium | Est. Jan. 1, 1935, midnight | FDIC #29672 | RSSD #100777 | FDIC
Latest Report: 2025-12-31

CFSBANK is amn medium FDIC-insured commercial bank headquartered in CHARLEROI, PA, established in Jan. 1, 1935, midnight. As of 2025-12-31, the bank reported total assets of $746M and total deposits of $637M. Profitability stands at 0.13% ROA and 1.29% ROE, with a net interest margin of 2.08%. The bank's CET1 capital ratio is 20.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.70%. FDIC Certificate #29672.

Assets

$746M

Deposits

$637M

Loans

$469M

Equity

$75M

Profitability

Return on Assets (ROA) 0.13%
Return on Equity (ROE) 1.29%
Net Interest Margin (NIM) 2.08%
Yield on Assets 4.40%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.70%
NPA Ratio 0.18%
ACL / Loans 0.49%

Capital & Liquidity

CET1 Ratio 20.47%
Tier 1 Capital 20.47%
Total Capital Ratio 21.05%
Leverage Ratio 10.99%
Loan-to-Deposit 73.53%

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