CFG Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 4.80 percentage points in Q2 2026, from 26.37% to 21.58%. It was the largest change from Q1 2026 among the key lines here. CFG Bank ranks 8th of 27 Maryland banks on return on assets, in the upper half at 1.39% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. CFG Bank sits 0.12 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.50% |
| Tier 1 risk-based capital ratio | 12.50% |
| Total risk-based capital ratio | 13.71% |
| Tier 1 leverage ratio | 11.29% |
| Equity capital to assets | 10.63% |
| Tangible equity to tangible assets | 10.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.77% |
| Non-performing assets ratio | 5.17% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 28.33% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 21.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 12.44% |
| Net interest margin | 3.73% |
| Efficiency ratio | 52.93% |
| Yield on earning assets | 6.69% |
| Cost of funds | 3.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.93% |
| Core deposits to total deposits | 67.78% |
| Brokered deposits to total deposits | 27.74% |
| Deposits to assets | 83.40% |
| Securities to assets | 24.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.26% | 2.61% |
| Q4 2023 | 10.62% | 10.62% | 11.80% | 10.77% | 1.40% |
| Q1 2024 | 11.21% | 11.21% | 12.42% | 11.27% | 2.64% |
| Q2 2024 | 11.55% | 11.55% | 12.78% | 11.23% | 1.59% |
| Q3 2024 | 12.21% | 12.21% | 13.46% | 11.21% | 1.04% |
| Q4 2024 | 11.61% | 11.61% | 12.77% | 10.92% | -0.15% |
| Q1 2025 | 11.98% | 11.98% | 13.19% | 10.89% | 1.25% |
| Q2 2025 | 11.96% | 11.96% | 13.17% | 11.10% | 1.28% |
| Q3 2025 | 12.62% | 12.62% | 13.84% | 11.24% | 1.39% |
| Q4 2025 | 12.19% | 12.19% | 13.30% | 11.62% | 1.84% |
| Q1 2026 | 12.68% | 12.68% | 13.80% | 11.19% | 1.58% |
| Q2 2026 | 12.50% | 12.50% | 13.71% | 11.29% | 1.39% |
CFG Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CFG Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CFG Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34294) · FFIEC NIC profile (RSSD 2471239)