Cfsbank (FDIC #29672): Bank Stress & Real-Estate Credit Exposure

Cfsbank (FDIC Cert #29672): bank stress 87/100, severe, STABLE over 7 days; parent CHARLEROI FINANCIAL MHC.

Cfsbank (#29672) lends in 4 counties across 1 state; Cfsbank (#29672) reaches 248 ZIP codes: Pennsylvania 4 counties, 248 ZIPs.

Cfsbank (#29672) largest markets: Westmoreland County, PA (178 branches, 89 ZIPs) (#29672), Fayette County, PA (65 branches, 65 ZIPs) (#29672), Washington County, PA (390 branches, 65 ZIPs) (#29672), Butler County, PA (37 branches, 37 ZIPs) (#29672).

Cfsbank (#29672) reports $773.4 million in total assets; Cfsbank (#29672) equity $75.4 million (9.8% of Cfsbank (#29672) assets); Cfsbank (#29672) domestic deposits $642.2 million; Cfsbank (#29672) net income $813,000; Cfsbank (#29672) return on assets 0.21%; Cfsbank (#29672) return on equity 2.16%; Cfsbank (#29672) net interest income $7.7 million; Cfsbank (#29672) call report June 30, 2026.

Cfsbank (#29672) noncurrent real-estate loans: none reported; Cfsbank (#29672) net charge-offs on real estate 0.20%; Cfsbank (#29672) multifamily charge-offs 2.71%.

Cfsbank (#29672) net interest margin 2.20% against an eight-quarter Cfsbank (#29672) average of 1.99% (Cfsbank (#29672) compression -0.21 points); Cfsbank (#29672) rate-exposure score 40/100, Cfsbank (#29672) fixed-rate trap 40/100; Cfsbank (#29672) risk type credit driven; Cfsbank (#29672) rate regime rates elevated, Cfsbank (#29672) snapshot October 20, 2026.

Cfsbank (#29672) stress score moved from 85.5 on June 22, 2026 to 87.1 on October 20, 2026; Cfsbank (#29672) ranged 85.5 to 87.1 over 117 snapshots.

Cfsbank (#29672) alerts: 4 counties; top Cfsbank (#29672) alert scores: Washington County, PA 48 (moderate); Connellsville County, PA 27 (low); Greensburg County, PA 27 (low); Mars County, PA 27 (low).