Cfg Bank
Lutherville, Maryland · FDIC Cert #34294
Cfg Bank is an FDIC-insured bank (Certificate #34294) with $5.2B in total assets and $4.5B in total deposits as of the Q2 2024 Call Report. Headquartered in Lutherville, Maryland, the bank maintains a Tier 1 capital ratio of 11.55% (Well-Capitalized) and a nonperforming loan ratio of 4.31%. BankHealthData assigns a composite Health Grade of C (62/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Cfg Bank (FDIC cert 34294) is a mid-sized bank with $5.2B in total assets and $4.5B in deposits, based in Lutherville, Maryland. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.55% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 4.31% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 26.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.83% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Cfg Bank carries a composite BankHealth grade of C (62/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Cfg Bank
- Total Assets
- $5.2B
- Total Deposits
- $4.5B
- Tier 1 Capital Ratio
- 11.55%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 4.31%
- Liquidity Ratio
- 26.83%
- Return on Assets
- 2.83%
- Headquarters
- Lutherville, Maryland
- FDIC Certificate
- #34294
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Cfg Bank holds a Tier 1 capital ratio of 11.55%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Cfg Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Cfg Bank shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Cfg Bank Compares
Cfg Bank’s Health Score of 62 is 7 points below the Maryland state average of 69 across 28 FDIC-insured banks. Its 11.55% Tier 1 capital ratio is 2.4 points below the US banking industry average near 14%. The 4.31% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.83% is in line with or above the national ROA benchmark of ~1.1%. Among 293 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, Cfg Bank is 8 points below the portfolio average of 70.
Frequently Asked Questions
Cfg Bank has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.55%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Cfg Bank's Tier 1 capital ratio of 11.55% and nonperforming loan ratio of 4.31% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Cfg Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34294). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Cfg Bank holds $5.2B in total assets and $4.5B in total deposits. It is headquartered in Lutherville, Maryland (FDIC Certificate #34294).
Cfg Bank has a Tier 1 capital ratio of 11.55%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 4.31%, and the return on assets is 2.83%.
Yes. Cfg Bank is FDIC-insured (Certificate #34294). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Cfg Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.