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

  • “A” rating from Egan Jones
  • 300/300 “Superior” IDC Rating
  • Ranked #11 in the country by S&P Global Market Intelligence for best-performing community banks with less than $3 billion in assets in 2021
  • 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

Q2 2022 Capital Funding Bancorp, Inc. Bondholder Presentation

12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
6/30/22 
YTD
Total Assets ($000s)$1,226,251$1,714,351$2,634,154$3,214,610
Total Loans ($000s)$915,454$1,291,544$1,915,628$2,584,262
Total Deposits ($000s)$1,044,098$1,494,580$2,225,121$2,741,427
Loan Growth31.5%41.1%48.3%36.5%
Loans/Deposits87.7%86.4%86.1%94.3%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
6/30/22 
YTD
Net Income ($000s)*$19,968$34,874$76,423$46,754
ROAA*1.95%2.10%3.68%3.30%
ROAE*11.91%20.36%35.07%35.75%
Net Interest Margin4.82%3.66%5.08%5.14%
Efficiency Ratio62.97%48.60%42.17%41.40%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
6/30/22 
YTD
Risk-Based Capital Ratio**15.27%N/AN/AN/A
Tier 1 Risk-Based Ratio**14.00%N/AN/AN/A
Leverage Ratio12.65%9.22%10.46%9.72%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
6/30/22 
YTD
Non-Performing Loans0.99%1.46%0.33%0.27%
Non-Performing Assets0.74%1.19%0.30%0.27%
Loan Loss Reserves/Loans2.06%2.11%1.89%1.55%
Loan Loss Reserves/NPLs208.1%144.3%556.1%502.2%
Texas Ratio5.6%9.8%2.8%2.9%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
6/30/22 
YTD
Full-Time Employees132147174210
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
6/30/22 
YTD
IDC300300300300
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 AND ARE ACCORDINGLY NOT TAX EFFECTED.
**EFFECTIVE WITH THE FILING OF THE 9/30/20 CALL REPORT, CFG BANK ELECTED THE COMMUNITY BANK LEVERAGE.
RATIO AND THE RISK-BASED AND TIER 1 RISK-BASED CAPITAL RATIOS WERE NO LONGER REQUIRED.

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