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Cfg Bank
Lutherville, MD · FDIC Certificate #34294 · Chartered 12/0
Total assets
$6.12B
Total deposits
$5.11B
Total equity
$651.12M
Net loans
$3.92B
Branches (offices)
3
Net income (YTD)
$42.99M
Rank: #247 of 4,213 U.S. banks by assets · #4 of 27 in Maryland. Assets changed 11.1% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 13.33% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 10.64% |
| Tier 1 leverage ratio | 11.29% |
| Uninsured deposits (share of deposits) | 14.7% |
| Noncurrent loans (share of loans) | 3.86% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 76.8% |
| Real estate loans (share of loans) | 74.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.92B | 74.6% | |
| Commercial & industrial | $1.05B | 26.9% | |
| Consumer / individual | $210.00K | 0.0% | |
| Construction & development | $199.87M | 5.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.21B | $2.74B | $46.75M | $285.25M |
| Jun 2023 | $5.08B | $4.52B | $79.56M | $435.43M |
| Jun 2024 | $5.16B | $4.49B | $53.21M | $568.32M |
| Jun 2025 | $5.51B | $4.81B | $34.48M | $600.42M |
| Jun 2026 | $6.12B | $5.11B | $42.99M | $651.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $5.11B | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.11B.
Similar-sized banks
Shore United Bank, National Association ($6.15B) · Smartbank ($6.11B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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