Financial Information - CFG Bank

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In observance of Juneteenth, the CFG Bank offices and branches will be closed on Friday, June 19, 2026. Online and mobile banking will be available for your banking needs!

Coming Soon! We are excited to announce the addition of our new branch at Baltimore Peninsula opening Q3 2026!

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 Growth	71.18%	8.53%	2.90%	7.15%
Loans/Deposits	86.32%	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 Margin	5.32%	5.69%	4.60%	4.17%
Efficiency Ratio	36.72%	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/A	10.62%	11.61%	12.19%
Tier 1 Risk-Based**	N/A	10.62%	11.61%	12.19%
Total Risk-Based**	N/A	11.80%	12.77%	13.30%

	12/31/22 YTD	12/31/23 YTD	12/31/24 YTD	12/31/25 YTD
Non-Performing Loans	0.17%	2.35%	10.02%	6.01%
Non-Performing Assets	0.16%	1.67%	7.69%	5.25%
Loan Loss Reserves/Loans	1.53%	1.55%	1.52%	1.39%
Loan Loss Reserves/NPLs	884.22%	65.98%	22.73%	40.60%
Texas Ratio	1.65%	14.20%	47.68%	28.77%

	12/31/22 YTD	12/31/23 YTD	12/31/24 YTD	12/31/25 YTD
Full-Time Employees	247	276	297	309

	12/31/22 YTD	12/31/23 YTD	12/31/24 YTD	12/31/25 YTD
IDC	300	275	198	246
Egan Jones Rating	A	A	A	A-

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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