# CFG BANK
LUTHERVILLE, MD · FDIC certificate 34294 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $6.12B | |
| Deposits | $5.11B | |
| Loans and leases | $3.98B | |
| Total equity | $651.1M | |
| Loans / deposits | 76.79% (p26 of band) | 87.10% |
| Liquid assets / assets | 30.41% (p77 of band) | |
| Uninsured deposits / deposits | 14.69% (p9 of band) | 30.76% |
| Brokered deposits | 23.14% | |
| Wholesale funding | 27.24% (p94 of band) | |
| FHLB advances / assets | 4.10% | |
| Tier 1 leverage | 11.29% (p66 of band) | 10.50% |
| Unrealized securities loss / equity | -1.37% (p85 of band) | -7.75% |
| AOCI / equity | -0.42% (p41 of band) | |
| ROA (annualized) | 1.47% (p68 of band) | 1.26% |
| Net interest margin | 3.91% (p63 of band) | 3.70% |
| Efficiency ratio | 51.08% (p26 of band) | |
| Noncurrent loans | 3.86% (p98 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p73 of band) | |
| Reserve coverage of noncurrent | 37.83% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 30.70% (p31 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 306 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | wholesale funding >15% |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  | brokered >10% |
| 2012-09 | 4 |  |  |
| 2012-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 2 | brokered >10%, capital falling | reserve under noncurrent |
| 2013-06 | 1 |  | brokered >10% |
| 2013-09 | 2 | brokered >10%, reserve under noncurrent | capital falling |
| 2013-12 | 3 | loans exceed deposits, liquid assets <10% | brokered >10% |
| 2014-03 | 6 | brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent, loans exceed deposits |
| 2014-06 | 1 | capital falling | liquid assets <10%, brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2014-12 | 1 |  | wholesale funding >15% |
| 2015-03 | 3 | wholesale funding >15%, capital falling |  |
| 2015-06 | 0 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2015-09 | 2 | brokered >10%, uninsured deposits leaving |  |
| 2015-12 | 3 | loans exceed deposits, liquid assets <10% | brokered >10% |
| 2016-03 | 5 | deposits shrinking, assets shrinking |  |
| 2016-06 | 3 |  | deposits shrinking, assets shrinking |
| 2016-09 | 6 | capital falling, noncurrent p90, reserve under noncurrent, deposits shrinking | uninsured deposits leaving |
| 2016-12 | 3 | charge-offs p90 | loans exceed deposits, capital falling, noncurrent p90, deposits shrinking |
| 2017-03 | 2 | loans exceed deposits | liquid assets <10%, reserve under noncurrent |
| 2017-06 | 3 | liquid assets <10%, assets shrinking | charge-offs p90 |
| 2017-09 | 3 | noncurrent p90, reserve under noncurrent | liquid assets <10%, assets shrinking |
| 2017-12 | 4 | liquid assets <10%, deposits shrinking | reserve under noncurrent |
| 2018-03 | 3 | charge-offs p90 | liquid assets <10%, deposits shrinking |
| 2018-06 | 2 | reserve under noncurrent | loans exceed deposits, charge-offs p90 |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 1 | loans exceed deposits | noncurrent p90, reserve under noncurrent, capital falling |
| 2019-03 | 1 | charge-offs p90 | loans exceed deposits |
| 2019-06 | 1 | capital falling | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | charge-offs p90 | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 4 | loans exceed deposits, uninsured deposits >50%, capital falling, run vulnerability | charge-offs p90 |
| 2020-12 | 2 |  | loans exceed deposits, run vulnerability |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | uninsured deposits >50% |
| 2021-12 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2022-03 | 1 |  | brokered >10%, wholesale funding >15% |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | noncurrent p90 | capital falling |
| 2023-06 | 1 |  | brokered >10%, wholesale funding >15% |
| 2023-09 | 4 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2023-12 | 3 | reserve under noncurrent | capital falling, charge-offs p90 |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | charge-offs p90 |  |
| 2024-09 | 4 | capital falling | uninsured deposits leaving |
| 2024-12 | 5 | brokered >10% |  |
| 2025-03 | 5 | wholesale funding >15% | charge-offs p90 |
| 2025-06 | 5 | charge-offs p90 | capital falling |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | charge-offs p90 |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

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

- 2026-08-20 [CFG Bank Review: Checking, Savings and CDs - NerdWallet](https://news.google.com/rss/articles/CBMiYEFVX3lxTE44bTI1YWR3Q0pHUlVJZ1pITGtidlk4bEg5SldmVlpUSVBacnZCU2l6YjVmUkUzQ213RDM0Y0JBUXJsUDcxQXg1TzNONmJxTDQzZjYwOUFHa0luMmhoRWRyUA?oc=5) · NerdWallet
- 2026-05-18 [CFG Bank commits $500K to Novella Center through partnership - Maryland Daily Record](https://news.google.com/rss/articles/CBMinwFBVV95cUxNb1AwN2JKZ3RGR0lBajkxR3hUV2VFSWRlSmNZWUZkT3JLRWJlTlFDRURHU0RwcHA5SllqZFR5T3ZIYkYtYXJjSV9KZVM1ZUJlYTlVZDhXVTJSb1BORFk0amVieURVNThQdGV4MlhJZTkxNTgzaW1mVTZ4aEdDbi1fOHduWEd0MGlxVnQxdnhRUTFHX2dnS3hLRW5yZkFHZzg?oc=5) · Maryland Daily Record
- 2026-08-11 [Dave Matthews Band to perform at Baltimore's CFG Bank Arena in November - CBS News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbEN1Q0NZVEdnLXdqd0IwTE1NbkpRYWV6bDZ4RWg1QzhDeUdEWm1pQ2Ewd3ZJb1hzTTgyOVA2ZHAxM0RHNW9lM0hqSlpkODg2TGhSczdfZDdzTGRBM3I1S3FnMTBXcWhnSnRSUU5rSEs3anM1ODJ1ODZfYVJ4bWpPcE96Y2VxX1JrRUc4dXA4RUFoVGFSSVMtWTk0V3dWUVZCWXc?oc=5) · CBS News
- 2026-06-12 [Dave Chappelle at CFG Bank Arena - 98 Rock Baltimore](https://news.google.com/rss/articles/CBMicEFVX3lxTE94aVViNmFHM202aHEwVzN3M282MXRPN29IcG9kVE9YeHk5cjVIZVVnNW9tbW0zSUs2YS1oT1p3NUFnd1hTeE9OQmhscnJPZnFGZnRtNFlvYUhfY0Mxa0YxZ0ZBV3hDMnJzeElfVldKUnI?oc=5) · 98 Rock Baltimore
- 2026-02-25 [CFG Bank Arena – CIAA Basketball Tournament - Stadium Journey](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV1pGSENMLXUzaFlRVDY2bFBybXhPLXJSazVCcjNDNEFmU1o3TUhkRWpaZW9UdF8wc0xvUU9WNDJaOG12TEhVNTI2NmhCUWZ4dERZSzNwTlR0RzUxYU50d0tsTGdKNTBaN29PYW90SmxsWHJfbzlwMlU3ZlV1QlBOTlEySWRlOHA0?oc=5) · Stadium Journey
- 2026-08-10 [Concert Photos Archives | Page 111 of 180 - brucespringsteen.net](https://news.google.com/rss/articles/CBMibkFVX3lxTE80ck80QTBuMTFvanpUb3JmUkRTUXNrc1RKZm1QUUJIRHZDUkJHcHQ5OEVack53eWIyS2tLYU5MTlRHRERtWDJnVGc1Qkd5bHlxVDJRelA0eVdaY3FTZDFobUs0bkpoOWVCcnJNSExR?oc=5) · brucespringsteen.net
- 2026-01-17 [Baltimore, MD | CFG Bank Arena | Jan. 16-18, 2026 - Monster Jam](https://news.google.com/rss/articles/CBMijAFBVV95cUxNV19Ud3dBUGdYcXZ0TW5TUThjWkVCS2VkQm5kaU04OWJRbEVhOGVGOWdOUFlvbHF6YW1IYXpzdGlDazQ4bFhCYmtfYlZoMmR2NHNTbVphNVBXenotdnVidUk2RHVHX1RrejZma3d6Zl9fZlJ4NllJZUR3NUI3Rkd0N21fZGVJUU9LRkNVYQ?oc=5) · Monster Jam
- 2026-06-05 [Dave Chappelle to perform at CFG Bank Arena in Baltimore - WBFF](https://news.google.com/rss/articles/CBMilwFBVV95cUxQM1IxeFdNWFZINXc4LU9weEoydEFTWDRsbjRDOEZQaXN1QXpFTVdfSWFoRmxNVXFLSVRrbkpvUlRSaU1PcHRmUGdTRVh6MWVTUms5bkVra2o3NXJ5VzFIMUw4WFF0TUdONWtPMlR0YjdobVZIMnVCa1J4SENpRldPX2lSTURHZldKWEJTRmM3YU8yQ1k1dEdv?oc=5) · WBFF

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34294 (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/54.json (key "34294", 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