Cfg Bank (FDIC #34294): Bank Stress & Real-Estate Credit Exposure

Cfg Bank (FDIC Cert #34294): bank stress 59/100, moderate, STABLE over 7 days; parent CAPITAL FUNDING BCORP INC.

Cfg Bank (#34294) lends in 3 counties across 1 state; Cfg Bank (#34294) reaches 114 ZIP codes: Maryland 3 counties, 114 ZIPs.

Cfg Bank (#34294) largest markets: Baltimore County, MD (57 branches, 57 ZIPs) (#34294), Anne Arundel County, MD (42 branches, 42 ZIPs) (#34294), Baltimore County, MD (33 branches, 33 ZIPs) (#34294).

Cfg Bank (#34294) reports $6.12 billion in total assets; Cfg Bank (#34294) equity $651.0 million (10.6% of Cfg Bank (#34294) assets); Cfg Bank (#34294) domestic deposits $5.11 billion; Cfg Bank (#34294) net income $43.0 million; Cfg Bank (#34294) return on assets 1.47%; Cfg Bank (#34294) return on equity 13.33%; Cfg Bank (#34294) net interest income $108.2 million; Cfg Bank (#34294) call report June 30, 2026.

Cfg Bank (#34294) noncurrent real-estate loans 0.04% of its book; Cfg Bank (#34294) multifamily 0.28%; Cfg Bank (#34294) net charge-offs on real estate 4.80%; Cfg Bank (#34294) multifamily charge-offs 29.37%; Cfg Bank (#34294) residential charge-offs 0.22%.

Cfg Bank (#34294) net interest margin 3.91% against an eight-quarter Cfg Bank (#34294) average of 4.31% (Cfg Bank (#34294) compression 0.40 points); Cfg Bank (#34294) real-estate loans 4.2% of equity; Cfg Bank (#34294) non-residential real estate 21.9% of equity; Cfg Bank (#34294) rate-exposure score 40/100, Cfg Bank (#34294) fixed-rate trap 40/100; Cfg Bank (#34294) risk type credit driven; Cfg Bank (#34294) rate regime rates elevated, Cfg Bank (#34294) snapshot October 19, 2026.

Cfg Bank (#34294) stress score moved from 53 on June 22, 2026 to 59 on October 20, 2026; Cfg Bank (#34294) ranged 53 to 59 over 117 snapshots.

Cfg Bank (#34294) alerts: 3 counties; top Cfg Bank (#34294) alert scores: Baltimore County, MD 32 (low); Annapolis County, MD 20 (low); Lutherville Timonium County, MD 20 (low).