BlastPoint's Banking Scorecard
CFG Bank
Designations: ✓ Community bank
Lutherville, MD
3 branches across MD
CFG Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.20% above tier average
- + Efficiency Ratio 12.09% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.70% above tier average
- - Nonperforming Asset Ratio 2.83% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
+5.6% YoY
-0.1% QoQ
|
+$2.9B |
$2.8B
-0.1% YoY
|
$1.8B
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Top 11.7% in tier |
| Total Loans ? |
$3.8B
+4.0% YoY
-2.3% QoQ
|
+$1.8B |
$2.0B
+0.6% YoY
|
$1.3B
+7.3% YoY
|
$3.2B
+10.8% YoY
|
Top 13.3% in tier |
| Total Deposits ? |
$5.0B
+4.8% YoY
-0.4% QoQ
|
+$2.6B |
$2.3B
-0.3% YoY
|
$1.6B
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Top 11.1% in tier |
| Return on Assets ? |
1.59%
+26.9% YoY
+11.2% QoQ
|
+0.23% |
1.37%
+19.6% YoY
|
0.90%
+4.7% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
4.02%
-3.2% YoY
-4.6% QoQ
|
+0.20% |
3.82%
+6.9% YoY
|
3.69%
+5.2% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
48.97%
-6.4% YoY
-4.4% QoQ
|
-12.09% |
61.06%
-4.6% YoY
|
68.69%
-3.5% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
3.59%
-43.5% YoY
+3.6% QoQ
|
+2.70% |
0.89%
+14.1% YoY
|
1.00%
+1.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.1% in tier |
| Loan-to-Deposit Ratio ? |
75.95%
-0.8% YoY
-2.0% QoQ
|
-8.26% |
84.20%
+0.3% YoY
|
87.36%
+2.8% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
10.21%
+6.2% YoY
+8.5% QoQ
|
-11.08% |
21.29%
-2.5% YoY
|
20.21%
-0.6% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.2% in tier |
| Nonperforming Asset Ratio ? |
3.50%
-32.0% YoY
+0.8% QoQ
|
+2.83% |
0.67%
+15.6% YoY
|
0.86%
+7.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.5% in tier |
| Tier 1 Capital Ratio ? |
12.68%
+5.8% YoY
+4.0% QoQ
|
-2.48% |
15.16%
+2.0% YoY
|
16.27%
-0.9% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.15%
+29.5% YoY
-77.4% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.12%
-21.7% YoY
|
0.32%
+4.1% YoY
|
53% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.