Bank Safety Analysis
Is Cfsbank Safe? Charleroi, Pennsylvania
Based on its Q2 2026 call report, Cfsbank meets every capital ratio test for well capitalized, its Texas ratio is 1.53%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Cfsbank's CET1 ratio is 19.55%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 19.55%
- Tier 1 leverage ratio (Q2 2026): 10.96%
- Texas ratio (Q2 2026): 1.53%
- Noncurrent loans ratio (Q2 2026): 0.24%
Cfsbank is an FDIC-insured savings bank (FDIC Certificate #29672). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Cfsbank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Compared with Q1 2026, CET1 ratio fell 0.52 percentage points in Q2 2026 to 19.55%, the biggest move on this page. Cfsbank ranks 18th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 19.55% (Q2 2026). Cfsbank reported 19.55% on CET1 ratio for Q2 2026, 4.46 points above the 15.08% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Cfsbank's CET1 ratio ranged between 19.55% (Q2 2026) and 23.34% (Q3 2023) and its Texas ratio ranged between 1.06% (Q2 2024) and 2.02% (Q3 2025). Between Q2 2025 and Q2 2026, Cfsbank's CET1 ratio fell from 20.96% to 19.55%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.22% to 0.24%, Texas ratio rose from 1.41% to 1.53% and return on assets fell from 0.28% to 0.27%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 19.55% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.96% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.24% are within industry-normal range.
Texas Ratio of 1.5% is well below the 100% historical failure threshold.
Efficiency ratio of 87.8% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 19.55% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 1.53% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.24% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 77.43% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 48.38% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 3.17% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 19.55% |
| Q1 2026 | 20.07% |
| Q4 2025 | 20.47% |
| Q3 2025 | 20.52% |
| Q2 2025 | 20.96% |
| Q1 2025 | 21.02% |
| Q4 2024 | 21.51% |
| Q3 2024 | 21.88% |
| Q2 2024 | 22.20% |
| Q1 2024 | 22.97% |
| Q4 2023 | 23.24% |
| Q3 2023 | 23.34% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 1.53% |
| Q1 2026 | 1.30% |
| Q4 2025 | 1.70% |
| Q3 2025 | 2.02% |
| Q2 2025 | 1.41% |
| Q1 2025 | 1.71% |
| Q4 2024 | 1.41% |
| Q3 2024 | 1.36% |
| Q2 2024 | 1.06% |
| Q1 2024 | 1.46% |
| Q4 2023 | 1.43% |
| Q3 2023 | 1.74% |
Cfsbank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 19.55% | 0.24% | 1.53% | 0.27% |
| Mar 31, 2026 | 20.07% | 0.20% | 1.30% | 0.16% |
| Dec 31, 2025 | 20.47% | 0.27% | 1.70% | 0.13% |
| Sep 30, 2025 | 20.52% | 0.33% | 2.02% | 0.19% |
| Jun 30, 2025 | 20.96% | 0.22% | 1.41% | 0.28% |
| Mar 31, 2025 | 21.02% | 0.27% | 1.71% | 0.16% |
| Dec 31, 2024 | 21.51% | 0.22% | 1.41% | 0.14% |
| Sep 30, 2024 | 21.88% | 0.22% | 1.36% | 0.06% |
| Jun 30, 2024 | 22.20% | 0.16% | 1.06% | -0.05% |
| Mar 31, 2024 | 22.97% | 0.18% | 1.46% | 0.13% |
| Dec 31, 2023 | 23.24% | 0.18% | 1.43% | 0.47% |
| Sep 30, 2023 | 23.34% | 0.17% | 1.74% | -0.01% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Cfsbank FDIC insured?
Yes. Cfsbank is an FDIC-insured savings bank (FDIC Certificate #29672). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Cfsbank well capitalized?
On its Q2 2026 call report, Cfsbank's CET1 ratio is 19.55%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Cfsbank's key safety ratios?
For Q2 2026, Cfsbank reports CET1 19.55%, leverage 10.96%, Texas ratio 1.53%, noncurrent loans 0.24%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Cfsbank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 29672) · FFIEC NIC profile (RSSD 100777)
Explore: Full Cfsbank profile · Other banks in PA · Metric glossary · How the call report works