Cfsbank
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Data as of · sourced from FFIEC call reports. How we update
Cfsbank is an FDIC-insured savings bank headquartered in Charleroi, PA, established in 1935 (FDIC certificate 29672), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $773.4M, down 6.5% from Q2 2025, the 51st largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 19.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29672
- Headquarters
- Charleroi, PA
- Established
- 1935
- Total assets, Q2 2026
- $773.4M
- Assets vs Q2 2025
- -6.5%
- CET1 ratio, Q2 2026
- 19.55%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 243373170
- Holding company
- CF FINANCIAL CORPORATION
- Asset rank in state
- 51st of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Cfsbank ranks as the 51st largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $773.4M, loans rose 4.2% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 77.7% of total loans, ahead of owner-occupied commercial real estate loans at 6.0%. The FDIC Summary of Deposits lists 10 offices for it, in 10 cities in PA; its Charleroi office books 50% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cfsbank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 10 FDIC institution directory, current count
- 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
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
Over the 12 quarters to Q2 2026, Cfsbank's total assets ran between $626.4M (Q3 2023) and $827.5M (Q2 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$773.4M total assets against $827.5M; $697.9M total liabilities against $755.1M.
$495.0M net loans and leases against $448.8M; $642.2M total deposits against $717.3M.
$210.3M securities against $232.5M; $14.1M cash and balances due against $99.0M.
$7.8M total interest income against $8.4M; $3.9M total interest expense against $4.7M.
$3.9M net interest income against $3.6M.
$1.6M total noninterest income against $1.4M; $4.8M total noninterest expense against $4.3M.
$60K provision for credit losses against $0.
$520K net income against $579K.
0.27% return on assets against 0.28%; 2.19% net interest margin against 1.89%.
19.55% CET1 capital ratio against 20.96%; 10.96% tier 1 leverage ratio against 10.00%.
Inside the full Cfsbank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCfsbank rankings
Its closest position to the top of a national ranking is 364 of 2,134, for CET1 ratio; its furthest is 3,437 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q3 2024) to 0.28% (Q2 2025) and its net interest margin ran from 1.79% (Q4 2024) to 2.19% (Q2 2026).
| 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
View all 10 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- 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 145 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.
- Not on file
- 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 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.
Where is Cfsbank headquartered?
It is headquartered in Charleroi, PA, United States.
When was Cfsbank founded?
It was established in 1935, per the FDIC institution directory.
Is Cfsbank FDIC-insured?
Yes. It 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.
What is Cfsbank's CET1 capital ratio?
It 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?
It operates 10 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?
Its Texas Ratio is 1.53% 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 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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