CFG Bank
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Data as of · sourced from FFIEC call reports. How we update
CFG Bank is an FDIC-insured commercial bank headquartered in Lutherville, MD, established in 1997 (FDIC certificate 34294), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $6.12B, up 11.1% from Q2 2025, the 4th largest of 27 banks headquartered in Maryland. Its CET1 capital ratio was 12.50% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34294
- Headquarters
- Lutherville, MD
- Established
- 1997
- Total assets, Q2 2026
- $6.12B
- Assets vs Q2 2025
- +11.1%
- CET1 ratio, Q2 2026
- 12.50%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 052073519
- Holding company
- CAPITAL FUNDING BANCORP, INC.
- Asset rank in state
- 4th of 27 in Maryland
CFG Bank pays more for its money than most banks of its size. The Lutherville, Maryland bank had $6.1 billion in assets at June 30, 2026, up 11.1% from a year earlier. It pays an average of 3.34% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also carries problem assets equal to 28.3% of the capital and reserves that would absorb them, 7.9 times the median of 3.6% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.86% of loans, down from 4.79% a year earlier. The non-owner-occupied commercial real estate book ($1.1 billion) is worsening: 3.79% of it is past due or on nonaccrual, up from 0.66% a year earlier. One more trend to watch: the commercial and industrial book ($1.1 billion) is worsening: 1.27% of it is past due or on nonaccrual, up from 0.76% a year earlier.
As of June 30, 2026, CFG Bank reported a CET1 capital ratio of 12.50%, a return on assets of 1.39%, a nonperforming-loan ratio of 3.86% and a Texas ratio of 28.33%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Maryland, CFG Bank is the 4th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.8% to $6.12B, loans rose 3.8% and deposits rose 2.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 29.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.5%. Its 3 offices in the FDIC Summary of Deposits are in Lutherville, MD, Annapolis, MD and Baltimore, MD; its Lutherville office books 96% of its branch deposits. Judged on its Q2 2026 call report, CFG Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11 W Ridgely Rd, Lutherville, MD 21093
- County
- Baltimore
- Metro Area
- Baltimore-Columbia-Towson, MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 1, 1997
- Former names
- CFG Community Bank (2009-2022)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 306
- Domestic deposits
- $5.11B
- Allowance for credit losses
- $58.1M
- Net charge-offs (YTD)
- $2.4M
- Average total assets
- $5.80B
- Average total loans
- $4.02B
- Average interest-bearing deposits
- $4.56B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 1, 1997
- FDIC Cert
- 34294
- Fed RSSD
- 2471239
- SEC CIK
- 1699468 → filed by CAPITAL FUNDING BANCORP, INC.
- Website
- www.cfg.bank →
- Parent Holding Company
- CAPITAL FUNDING BANCORP, INC. (RSSD 3927078)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, CFG Bank's total assets ranged from $5.03B (Q4 2023) to $6.12B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.12B total assets against $5.51B; $5.47B total liabilities against $4.91B.
$3.92B net loans and leases against $3.68B; $5.11B total deposits against $4.81B.
$1.47B securities against $1.12B; $392.7M cash and balances due against $381.2M.
$96.5M total interest income against $101.8M; $42.8M total interest expense against $43.7M.
$53.8M net interest income against $58.1M.
$18.3M total noninterest income against $14.9M; $38.1M total noninterest expense against $39.0M.
$6.5M provision for credit losses against $10.3M.
$20.1M net income against $17.5M.
1.39% return on assets against 1.28%; 3.73% net interest margin against 4.47%.
12.50% CET1 capital ratio against 11.96%; 11.29% tier 1 leverage ratio against 11.10%.
Inside the full CFG Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
CFG Bank rankings
Its closest position to the top of a national ranking is 69 of 3,640, for Texas Ratio; its furthest is 894 of 980, for uninsured deposits.
Metric pages for CFG Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.15% (Q4 2024) to 1.84% (Q4 2025) and its net interest margin ran from 3.73% (Q2 2026) to 4.70% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.50% | 1.39% | 3.86% | 28.33% | 3.73% |
| Q1 2026 | 12.68% | 1.58% | 3.54% | 24.74% | 3.90% |
| Q4 2025 | 12.19% | 1.84% | 3.42% | 24.64% | 4.08% |
| Q3 2025 | 12.62% | 1.39% | 3.92% | 29.31% | 4.07% |
| Q2 2025 | 11.96% | 1.28% | 4.79% | 36.47% | 4.47% |
| Q1 2025 | 11.98% | 1.25% | 6.25% | 39.09% | 4.04% |
| Q4 2024 | 11.61% | -0.15% | 6.67% | 42.81% | 3.93% |
| Q3 2024 | 12.21% | 1.04% | 4.02% | 25.25% | 4.70% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CFG Bank (main office) | Lutherville , MD | 21093 | $4.89B |
| Annapolis Branch | Annapolis , MD | 21401 | $152.2M |
| Baltimore Branch | Baltimore , MD | 21231 | $65.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 24, 2008 | Delisting | deregistration | SEC |
| July 14, 2008 | Delisting | delisting | SEC |
| June 28, 2001 | Delisting | deregistration | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 1 against individuals associated with it
- October 1, 2008, Federal Reserve: Written Agreement: CFG Community Bank(f/k/a AmericasBank), Towson, Maryland
- Period: Most recent institution action October 1, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.5% of deposits in MD, rank 10 of 69 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about CFG Bank
What are CFG Bank's total assets?
As of the Q2 2026 filing, CFG Bank reported total assets of $6.12 billion in its FFIEC call report.
Where is CFG Bank headquartered?
It is headquartered in Lutherville, MD, United States.
When was CFG Bank founded?
It was established in 1997, per the FDIC institution directory.
Is CFG Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34294). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CFG Bank?
CFG Bank's primary federal regulator is the FDIC.
What is CFG Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.50% in its Q2 2026 call report, above regulatory requirements.
How many branches does CFG Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CFG Bank's Texas Ratio?
Its Texas Ratio is 28.33% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was CFG Bank previously called?
The charter now named CFG Bank has also operated as CFG Community Bank (2009-2022), per FDIC structure-change records.
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