Skip to Content

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

Q3 2022 Capital Funding Bancorp, Inc. Bondholder Presentation

12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
9/30/22
YTD
Total Assets ($000s)$1,226,251$1,714,351$2,634,154$4,086,185
Total Loans ($000s)$915,454$1,291,544$1,915,628$3,253,236
Total Deposits ($000s)$1,044,098$1,494,580$2,225,121$3,657,731
Loan Growth31.5%41.1%48.3%71.9%
Loans/Deposits87.7%86.4%86.1%88.9%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
9/30/22
YTD
Net Income ($000s)*$19,968$34,874$76,423$76,844
ROAA*1.95%2.10%3.68%3.26%
ROAE*11.91%20.36%35.07%36.53%
Net Interest Margin4.82%3.66%5.08%5.15%
Efficiency Ratio62.97%48.60%42.17%41.37%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
9/30/22
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%9.54%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
9/30/22
YTD
Non-Performing Loans0.99%1.46%0.33%0.11%
Non-Performing Assets0.74%1.19%0.30%0.11%
Loan Loss Reserves/Loans2.06%2.11%1.89%1.43%
Loan Loss Reserves/NPLs208.1%144.3%556.1%738.7%
Texas Ratio5.6%9.8%2.8%1.8%
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
9/30/22
YTD
Full-Time Employees132147174221
12/31/19
YTD
12/31/20
YTD
12/31/21
YTD
9/30/22
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.

Notice: You are about to leave CFG Bank's website. If you do not wish to leave, please click "Cancel." If you'd like to continue, please click "Continue."