Cfsbank: 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 45.66 percentage points in Q2 2026, from 238.24% to 192.58%. It was the largest change from Q1 2026 among the key lines here. Cfsbank has the 8th lowest return on assets of the 109 banks headquartered in Pennsylvania, at 0.27% as of Q2 2026. Cfsbank's return on assets of 0.27% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.98 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.55% |
| Tier 1 risk-based capital ratio | 19.55% |
| Total risk-based capital ratio | 20.10% |
| Tier 1 leverage ratio | 10.96% |
| Equity capital to assets | 9.75% |
| Tangible equity to tangible assets | 9.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.53% |
| Allowance for credit losses to loans | 0.46% |
| Reserve coverage of non-performing loans | 192.58% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.27% |
| Return on equity | 2.76% |
| Net interest margin | 2.19% |
| Efficiency ratio | 87.77% |
| Yield on earning assets | 4.37% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.43% |
| Core deposits to total deposits | 70.39% |
| Brokered deposits to total deposits | 19.15% |
| Deposits to assets | 83.04% |
| Securities to assets | 27.19% |
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 | 23.34% | 23.34% | 24.03% | 12.67% | -0.01% |
| Q4 2023 | 23.24% | 23.24% | 23.94% | 12.44% | 0.47% |
| Q1 2024 | 22.97% | 22.97% | 23.72% | 12.59% | 0.13% |
| Q2 2024 | 22.20% | 22.20% | 22.92% | 12.39% | -0.05% |
| Q3 2024 | 21.88% | 21.88% | 22.59% | 11.83% | 0.06% |
| Q4 2024 | 21.51% | 21.51% | 22.21% | 10.95% | 0.14% |
| Q1 2025 | 21.02% | 21.02% | 21.69% | 10.93% | 0.16% |
| Q2 2025 | 20.96% | 20.96% | 21.63% | 10.00% | 0.28% |
| Q3 2025 | 20.52% | 20.52% | 21.17% | 10.25% | 0.19% |
| Q4 2025 | 20.47% | 20.47% | 21.05% | 10.99% | 0.13% |
| Q1 2026 | 20.07% | 20.07% | 20.63% | 11.14% | 0.16% |
| Q2 2026 | 19.55% | 19.55% | 20.10% | 10.96% | 0.27% |
Cfsbank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cfsbank, 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 Cfsbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29672) · FFIEC NIC profile (RSSD 100777)