FDIC Cert #34294 · Lutherville, Maryland · Est. 1997

CFG Bank - FDIC Bank Health Profile

A community-scale look at CFG Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$5.7B
Total assets
B
Health grade · Good
1.43%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

CFG Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.19% Tier 1, profitable at 1.43% ROA, efficient (51% cost ratio).

#262
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
12.19%
Tier 1 ratio - above the 10% well-capitalized line
71st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 34294 · MD B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2298/4307
  • PHOTO-FINISH Great Plains Nationa… · OK
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-HEALTHY 19.3% Texas
  • ROA-STRONG 1.43% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Great Plains National Bank, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around CFG Bank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Capitol Bank · WI · near77/100CFG Bank · MD · this bank77/100Great Plains Nationa… · OK ·…77/100Heritage Bank of Com… · CA ·…77/100Portage Community Bank · OH …77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around CFG Bank · July 2026

Call Report read for CFG Bank in a high-failure state

CFG Bank (FDIC Cert #34294) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,298 of 4,307. Tier 1 capital prints at 12.19%, clearing the 10% well-capitalized line. The Texas Ratio is 19.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.43%. Balance-sheet scale is $5.7B, 262nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Great Plains National Bank (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around CFG Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

CFG Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about CFG Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How CFG Bank's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
CFG Bank's composite health score
Tier 1 Capital Ratio (12.19%) 35/40
Return on Assets (ROA) (1.43%) 20/25
Texas Ratio (19.30%) 10/20
Efficiency Ratio (51.22%) 12/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$5.7B

Total balance-sheet footings

Total Deposits

$5.0B

Customer-funded liabilities

Net Loans

$3.9B

Outstanding loan book

Net Income

$79M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.79% 12.19% 13.59%
Basel III capital ratios - CFG Bank

Where CFG Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CFG Bank's score of 77/100 falls in the highlighted band.

CFG Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. CFG Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

CFG Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CFG Bank's $5.7B falls in the highlighted band.

Capital & credit buffers at CFG Bank

Tier 1 capital ratio
Well-capitalized 10%

12.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.19%
Texas Ratio
19.30%
Equity Capital
$640M

What these ratios mean →

Earnings posture at CFG Bank

Return on Assets (ROA)
71st percentile nationally
1.43%
Return on Equity (ROE)
13.16%
Efficiency Ratio
51.22%

What these mean →

Income & expense at CFG Bank

$394M
Interest Income
$38M
Non-Interest Income
$131M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. CFG Bank reports a Texas Ratio of 19.30% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

19.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View CFG Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.7B here), outside Maryland so the neighborhood is not state containment.

First Financial Bank $5.7B · IN Northfield Bank $5.8B · NY Heritage Bank of Commerce $5.8B · CA Firstrust Savings Bank $5.7B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CFG Bank (FDIC Cert #34294) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

CFG Bank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%
Presidential Bank, FSBBethesda $1.1B C 0.44%