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Tax Forms now available in your Online Banking portal (if enrolled in Paperless) – click on eStatements icon, select “Tax” under Document Type, click “Filter” and your 1099 will appear!

As the largest bank headquartered in Baltimore, CFG Bank has:

  • “A-” rating from Egan Jones
  • Ranked #2 in the country by S&P Global Market Intelligence for best-performing community banks with assets between $3 billion and $10 billion, in the large community bank category, in 2022
  • National ranking by the Independent Community Bankers of America, as a top performing bank as part of its annual “Best of the Best” list
  • An A+ health rating from DepositAccounts.com

Q4 2025 S&P Global | CFG Bank Regulatory Financial Highlights

12/31/22
YTD		12/31/23
YTD		12/31/24
YTD		12/31/25
YTD
Total Assets ($000s)$4,255,659$5,026,379$5,400,229$5,739,598
Total Loans ($000s)$3,279,118$3,558,866$3,662,068$3,923,917
Total Deposits ($000s)$3,798,738$4,379,207$4,740,372$4,993,853
Loan Growth71.18%8.53%2.90%7.15%
Loans/Deposits86.32%81.27%77.25%78.57%
12/31/22
YTD		12/31/23
YTD		12/31/24
YTD		12/31/25
YTD
Net Income ($000s)*$118,681$130,389$64,829$78,954
ROAA*3.48%2.71%1.26%1.44%
ROAE*39.17%29.74%11.50%13.16%
Net Interest Margin5.32%5.69%4.60%4.17%
Efficiency Ratio36.72%43.26%44.43%51.22%
12/31/22
YTD		12/31/23
YTD		12/31/24
YTD		12/31/25
YTD
Community Bank Leverage Ratio
(Tier 1 Leverage)**		9.42%10.77%10.92%11.62%
Common Equity Tier 1 Risk-Based**N/A10.62%11.61%12.19%
Tier 1 Risk-Based**N/A10.62%11.61%12.19%
Total Risk-Based**N/A11.80%12.77%13.30%
12/31/22
YTD		12/31/23
YTD		12/31/24
YTD		12/31/25
YTD
Non-Performing Loans0.17%2.35%10.02%6.01%
Non-Performing Assets0.16%1.67%7.69%5.25%
Loan Loss Reserves/Loans1.53%1.55%1.52%1.39%
Loan Loss Reserves/NPLs884.22%65.98%22.73%40.60%
Texas Ratio1.65%14.20%47.68%28.77%
12/31/22
YTD		12/31/23
YTD		12/31/24
YTD		12/31/25
YTD
Full-Time Employees247276297309
12/31/22
YTD		12/31/23
YTD		12/31/24
YTD		12/31/25
YTD
IDC300275198246
Egan Jones RatingAAAA-
SOURCE: S&P GLOBAL MARKET INTELLIGENCE DERIVED FROM SELECTED FFIEC CALL REPORT DATA FOR THE PERIODS PRESENTED.

*THESE PERFORMANCE MEASURES REFLECT S CORPORATION EARNINGS THROUGH 5/31/2023. BEGINNING 6/1/2023, CFG BANK CONVERTED TO A C CORPORATION AND SUBSEQUENT EARNINGS ARE TAX EFFECTED ACCORDINGLY.

**EFFECTIVE WITH THE FILING OF THE 12/31/23 CALL REPORT, CFG BANK ELECTED TO REPORT CAPITAL RATIOS IN ACCORDANCE WITH BASEL III INSTEAD OF REPORTING THE COMMUNITY BANK LEVERAGE RATIO PER REGULATORY GUIDANCE.

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