# CFSBANK
CHARLEROI, PA · FDIC certificate 29672 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $773.4M | |
| Deposits | $642.2M | |
| Loans and leases | $497.2M | |
| Total equity | $75.4M | |
| Loans / deposits | 77.07% (p39 of band) | 82.04% |
| Liquid assets / assets | 29.02% (p62 of band) | |
| Uninsured deposits / deposits | 35.10% (p79 of band) | 25.97% |
| Brokered deposits | 15.91% | |
| Wholesale funding | 22.63% (p95 of band) | |
| FHLB advances / assets | 6.72% | |
| Tier 1 leverage | 10.96% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -17.47% (p26 of band) | -8.10% |
| AOCI / equity | -1.00% (p22 of band) | |
| ROA (annualized) | 0.21% (p5 of band) | 1.28% |
| Net interest margin | 2.20% (p2 of band) | 3.91% |
| Efficiency ratio | 90.40% (p95 of band) | |
| Noncurrent loans | 0.24% (p36 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p53 of band) | |
| Reserve coverage of noncurrent | 192.58% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 19.74% (p25 of band) | |
| Auto loans | $8.1M (1.62% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.5% | |
| Employees | 107 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | securities losses >30% of equity |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 3 | expense ratio p90, uninsured deposits leaving | capital falling |
| 2012-12 | 4 | reserve under noncurrent |  |
| 2013-03 | 1 |  | expense ratio p90, uninsured deposits leaving, reserve under noncurrent |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 1 |  | deposits shrinking |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | expense ratio p90 |  |
| 2017-03 | 2 | reserve under noncurrent | expense ratio p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | expense ratio p90 | NIM <2.5% |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 3 | losing money, noncurrent p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | expense ratio p90 |  |
| 2019-03 | 3 | charge-offs p90 | losing money, expense ratio p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | expense ratio p90 |  |
| 2019-12 | 3 |  | noncurrent p90 |
| 2020-03 | 1 |  | charge-offs p90, expense ratio p90 |
| 2020-06 | 2 | expense ratio p90 |  |
| 2020-09 | 4 | capital falling, NIM <2.5% |  |
| 2020-12 | 2 |  | reserve under noncurrent, capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 4 | reserve under noncurrent |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 1 |  | expense ratio p90, NIM <2.5%, reserve under noncurrent |
| 2022-06 | 3 | securities losses >30% of equity, NIM <2.5% |  |
| 2022-09 | 3 | AOCI drag >20% of equity | NIM <2.5% |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 3 | expense ratio p90, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 2 |  | securities losses >30% of equity, expense ratio p90 |
| 2024-03 | 3 | securities losses >30% of equity, expense ratio p90 | capital falling |
| 2024-06 | 4 | wholesale funding >15% |  |
| 2024-09 | 5 | brokered >10%, capital falling | securities losses >30% of equity |
| 2024-12 | 6 | securities losses >30% of equity |  |
| 2025-03 | 5 |  | securities losses >30% of equity |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | capital falling |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [Washington County community bank plans 11th branch after KeyBank exit - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxNSDBfa2lmT09XTlVFWC1ReWNWYktfRHdRV0xFcERTYTlUakZzUURXQ3FrNmlWNUNQOERXdkJkYk9yWUpPSENOVWM5bGdzbzZBNlhHRkNoN1VKR1kxeklhNGVTSFVyM25HaFJVWWw4ODZxTlRHS2FxbHBiLVNnNkhTN3d0a0ZFX3ZOdG9ET2pzb0JKUFE?oc=5) · The Business Journals
- 2025-10-14 [State greenlights cfsbank's charter change - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxNdTNFc2RKeXRBUm84UDVLb2xqd2NweG1WS0otVVBPTDZTRVNFanVYTGhUalBMMHE4M3hWVldwel9RSHZrMFNiUGV1SGR0cHRwU3U3eXNReU1EN244N0J3eGs4RVVNTXJ1UWVTUlU5MXh2R3dkV0tBX1J0eFMyOGpkZk1IY2xYSGFkdHc?oc=5) · The Business Journals
- 2026-07-29 [cfsbank to replace Key Bank in California Borough - Observer-Reporter](https://news.google.com/rss/articles/CBMisgFBVV95cUxOTlg2bFlCV1JxdGlVd212LVVhMDZOUHFIVVdzaEF6aVZhZld3YzZzSGhfU1NBZ1BqdU5lTmhIbnJGWWd5TlBIVTB3QzB0SS0tTFloYm5vZmtmeG1GYTNxc09oazhWSjJTSmxfUy1sTUJ6YlRtWm5QOTNhOGNGSjZkMUZFelNWRF9hSkg2bEFTMzd1OUstMFM5WktPN3dIemxlX2phNHRzNExPOGhOYTlZZFR3?oc=5) · Observer-Reporter
- 2022-06-26 [cfsbank is still your community-focused bank, so ‘Let’s do it together’ either in person or online - TribLIVE.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOTmx1djBWSmpjOXZ1bUlva280NklETkdQbm9xaGFEaHpRMEFwWlVJTm45LV9nMl9Kd1phbUJ5VGV3aTBYQm51WDhmR3hqTlNCMXhOMUF1UVdobFJBdFI3clM0MW9GR1B3U09PMlVTaWtDLUpQaFlCR3NtelJNbzZBWF84T2s4NGJpVGhKSHpvbGNpdHE5dWFma3p1U1BmblVfOXdWRXlpQmxlR1pOMG15RnM1VHV6R3M0MkF4WkJqM0MxNFZveE15TG5KOU1HTDVRRDlIX2t0NVZzUQ?oc=5) · TribLIVE.com
- 2020-01-16 [cfsbank reappoints 2 board members at annual meeting - Mon Valley Independent](https://news.google.com/rss/articles/CBMiowFBVV95cUxPX0NwajJwUGp6Q01DSWM4SFFJQ250V1VyUm5va01vRHliVkluLWpWRTdnVWN5N2wwOGdVbWI1RjRZVHY0V09Ra1Q0R2kxUkZiMTNBVHM4eTFpQi1fOTF4dy1MNEtUZlFyZmpBeG1XWGZVSDZxWFN2WDJ3YUJtTDhCcnlUa1IxVHNSQ3ppVWtvSkhRUDE2YkxzamY3cXdmS1FUN3Z3?oc=5) · Mon Valley Independent
- 2025-09-20 [cfsbank can bank on award winner - Observer-Reporter](https://news.google.com/rss/articles/CBMikgFBVV95cUxQeDc5Ymc2dFNzbVIwem5xeWs4YmUySTRxdHFlUV9FTFB2eXVHQ3dfT2dQeFMxcndrWUktc1o3VDA2VmxLT1dJUzdMelZiUTNvRjJVMHlqWGYzbzNxN2VHaWFUMkQtTFhRbUl1UHZLVWZBSEE4eVcwYVJ0Yy0zTGpaM2wzUTFzUTBoYnkwTGJJV1RKQQ?oc=5) · Observer-Reporter
- 2026-08-14 [Two Pittsburgh-area financial institutions set to occupy branches left behind by larger banks - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxPYUZiekhQVHZrSGEyWXBRT1lnWWtsc3pjb0tVYlVFN0RJaFlFbjhKbWdMN2ZWV192bjRrb1pxb0RIaldoMXp5bmlSRHVqTmVOT0ZUQWJnZlkya1A3Zk9jLVZ0ZDFYckJUcFlMTmx0bmJpWmVzVF9xZnRnZGpOcERzWkFTMjRMOXUwaFRCczVJOA?oc=5) · The Business Journals
- 2020-01-04 [Bassi retires as cfsbank president and CEO - Mon Valley Independent](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYnpyR2FjTklxT1RrOXFTRzkzU254Szg0cEdvdnZ0QWR5T1JHbW1sSGhaQnNXV2xOcUg1dlRlWFV2VXRoY2tFdzZybzFtUU9sU202Rmg1OXhCZGhQMk1sRTZYbDJGRVIzUTNMOXdjTGNfRUlaMjBWeXQwUGNaRl8za0ZvVDJxM0lWU3BPVElTRkdwRlNTOVE?oc=5) · Mon Valley Independent

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29672 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "29672", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide