BlastPoint's Banking Scorecard
CFG Bank
Designations: ✓ Community bank
Lutherville, MD
3 branches across MD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
- Deposits +6.1% year over year ($5.1B on the books).
- Delinquency rate 3.92%.
- Return on assets 1.47%.
- Efficiency ratio 51.08% vs a 59.73% peer average.
- Loan-to-deposit ratio 76.79% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CFG Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Efficiency Ratio 8.65% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.05% above tier average
- - Nonperforming Asset Ratio 3.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.1B
+11.1% YoY
+6.8% QoQ
|
+$3.3B |
$2.8B
-0.6% YoY
|
$1.8B
+4.0% YoY
|
$6.3B
+7.7% YoY
|
Top 9.6% in tier |
| Total Loans ? |
$3.9B
+6.5% YoY
+3.7% QoQ
|
+$2.0B |
$2.0B
-0.3% YoY
|
$1.3B
+3.8% YoY
|
$3.2B
+9.4% YoY
|
Top 12.3% in tier |
| Total Deposits ? |
$5.1B
+6.1% YoY
+2.6% QoQ
|
+$2.8B |
$2.3B
-0.5% YoY
|
$1.6B
+4.1% YoY
|
$4.9B
+7.3% YoY
|
Top 9.7% in tier |
| Return on Assets ? |
1.47%
+15.8% YoY
-8.0% QoQ
|
+0.08% |
1.39%
+17.0% YoY
|
0.92%
+12.6% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.91%
-9.9% YoY
-2.8% QoQ
|
+0.04% |
3.87%
+6.2% YoY
|
3.72%
+5.0% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
51.08%
-3.5% YoY
+4.3% QoQ
|
-8.65% |
59.73%
-12.6% YoY
|
67.38%
-3.5% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
3.92%
-19.4% YoY
+9.2% QoQ
|
+3.05% |
0.87%
+11.7% YoY
|
1.07%
+9.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.0% in tier |
| Loan-to-Deposit Ratio ? |
76.79%
+0.4% YoY
+1.1% QoQ
|
-8.24% |
85.04%
-0.1% YoY
|
87.38%
+1.5% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
11.65%
+10.2% YoY
+14.0% QoQ
|
-9.63% |
21.27%
-1.5% YoY
|
20.47%
+3.3% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
3.74%
-23.6% YoY
+6.9% QoQ
|
+3.07% |
0.67%
+11.7% YoY
|
0.90%
+8.0% YoY
|
0.69%
+15.8% YoY
|
Bottom 1.0% in tier |
| Tier 1 Capital Ratio ? |
12.50%
+4.5% YoY
-1.4% QoQ
|
-2.34% |
14.84%
-0.4% YoY
|
16.33%
+1.1% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.44%
+14.5% YoY
+195.6% QoQ
|
-0.09% |
0.53%
+2.5% YoY
|
0.25%
+1.8% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.6%
+1.1pp YoY +1.4pp QoQ |
-9.7pp | 21.4% | 21.3% | 22.2% | 14% |
| Brokered Deposits |
27.7%
+6.3pp YoY +0.5pp QoQ |
+18.3pp | 9.5% | 10.7% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.9%
+2.8pp YoY -1.8pp QoQ |
+12.9pp | 14.0% | 8.9% | 12.5% | 89% |
| CRE |
74.0%
-2.8pp YoY +2.2pp QoQ |
+23.9pp | 50.0% | 50.0% | 41.4% | 92% |
| 1-4 Family |
0.3%
-0.3pp YoY -0.4pp QoQ |
-26.1pp | 26.4% | 37.9% | 31.3% | 1% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 3.2% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.5%
+0.5pp YoY -0.2pp QoQ |
-3.1pp | 15.6% | 16.4% | 19.7% | 32% |
| Leverage Ratio |
11.3%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 11.3% | 13.0% | 12.6% | 66% |
| Total Capital Ratio |
13.7%
+0.5pp YoY -0.1pp QoQ |
-3.0pp | 16.7% | 17.5% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
306
-9 (-2.9%) YoY -1 (-0.3%) QoQ |
-8 | 313 | 170 | 482 | 66% |
| Assets per Employee ($) |
$20.0M
+14.3% YoY +7.1% QoQ |
+$9.5M | $10.5M | $9.4M | $8.8M | 95% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 9 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.2%
+0.4pp YoY +0.5pp QoQ |
+1.0pp | 0.2% | 0.2% | 0.4% | 97% |
| Nonaccrual |
3.4%
-1.4pp YoY -0.2pp QoQ |
+2.6pp | 0.8% | 1.1% | 1.0% | 97% |
| Allowance Coverage |
0.38x
+15.5% YoY -3.4% QoQ |
-18.33x | 18.71x | 46.66x | 20.23x | 3% |
| Net Charge-off Rate (YTD) |
0.1%
-0.5pp YoY -0.1pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+1.5pp YoY -0.9pp QoQ |
+0.7pp | 12.6% | 8.0% | 11.6% | 60% |
| Cost of Funds (YTD) |
3.1%
-0.4pp YoY -0.1pp QoQ |
+1.2pp | 1.9% | 1.9% | 1.7% | 96% |
| Net Income ($, YTD) |
$43.0M
+24.7% YoY — QoQ |
+$23.7M | $19.2M | $8.4M | $40.4M | 90% |
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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.