CFG Bank
Lutherville, Maryland, Baltimore County
$6.1B in total assets, the 254th largest of 4,309 US banks and 4th of 27 headquartered in Maryland.
- FDIC certificate
- 34294
- Established
- 1997
- Owned by
- Capital Funding Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.cfg.bank
At a glance
Compared with 9 banks headquartered in Maryland with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.1B | 67% | $2.1B | |
| Loans | $4.0B | 67% | $1.6B | |
| Deposits | $5.1B | 67% | $1.7B | |
| Return on assets | 1.53% | 98% | 1.19% | |
| Net interest margin | 3.91% | 67% | 3.77% | |
| Efficiency ratio | 51.1% | 11% | 61.0% | |
| Equity to assets | 10.63% | 44% | 10.98% | |
| Loans to deposits | 78% | 2% | 88% |
Growth
Total assets grew 24.5% a year over the last 5 years and 24.4% a year over 10 years, without acquisitions.
Where they operate
3 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Baltimore County, MD | $4.9B | 18.1% | 2 of 25 |
| Anne Arundel County, MD | $152M | 1.0% | 14 of 25 |
| Baltimore City County, MD | $66M | 0.2% | 14 of 19 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (3 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2019 | Closed Annapolis | 0 | 1 | −1 | 2 |
| 2022 | Opened Annapolis | 1 | 0 | +1 | 3 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 56% | 38% | |
| Business (C&I) | 27% | 11% | |
| Multifamily | 12% | 5% | |
| Construction and land | 5% | 8% | |
| 1-4 family residential | 0% | 29% | |
| Consumer | 0% | 2% | |
| Other | 0% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 46% | 24% | |
| Other interest-bearing | 42% | 57% | |
| Noninterest-bearing | 12% | 19% |
Brokered deposits are 27.7% of deposits (peers 7.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 4.58% | 1.32% |
| Net charge-offs, annualized | 0.12% | 0.04% |
| Reserves to loans | 1.46% | 1.03% |
| Leverage ratio | 11.29% | 11.24% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Maryland
Largest competitors in Baltimore County, MD
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/cfg