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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Maryland, the state note

CFG Bank

Lutherville, Maryland · $6.12B in assets · beside the 11 other the Mid-Atlantic banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

77.9%
Loans / deposits
1st of 12
3.86%
NPA / loans
12th of 12
0.4x
Coverage of noncurrent
11th of 11

CFG Bank is the seventh largest of the 12 the Mid-Atlantic banks nearest its size between $3B and $10B, with $6.12B in assets at 30 June 2026. Loans are 77.9% of deposits, the lowest in the cohort against a median of 91.5%, and equity is 10.6% of assets, 9th of 11. Loans grew +6.4% in the year, 3rd of 12, and deposits grew 6.1%; the cohort's median loan growth is +4.7%.

Noncurrent loans are 3.86% of the book, the highest in the cohort against a median of 0.70%; 2.54% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 0.12% of loans, 7th of 11. Commercial real estate is 43.1% of loans, 7th of 12 against a median of 41.2%, and 239% of capital, below the 300% screen, with construction at 28% against the 100% screen.

Return on assets is 1.48%, 4th of 11 against a median of 1.31%, on an efficiency ratio of 51.1%, 2nd of 11. Five years ago it was 4.06%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 91.5% CB CFG Bank 77.9% MP Mashreqbank PSC 86.4% OB Orrstown Bank 89.0% FS Five Star Bank 89.6% CN Canandaigua National Bank & Trust Co. 89.7% SU Shore United Bank N.A. 90.5% NB Northfield Bank 92.6% MP Mid Penn Bank 94.4% TB Trustco Bank 94.6% PS Peoples Security Bank & Trust Co. 95.4% FS Firstrust Savings Bank 97.2% CB Comenity Bank 157.7%
Loans, year over yearMid-Atlantic banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +4.7% MP Mid Penn Bank +16.4% PS Peoples Security Bank & Trust Co. +7.6% CB CFG Bank +6.4% FS Firstrust Savings Bank +5.3% CN Canandaigua National Bank & Trust Co. +4.8% FS Five Star Bank +4.8% OB Orrstown Bank +4.6% TB Trustco Bank +4.3% SU Shore United Bank N.A. +1.0% CB Comenity Bank -1.4% NB Northfield Bank -5.4% MP Mashreqbank PSC -12.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
CFG BankRankCohort median
Total CRE against capital, the 300% screen239%3rd of 11290%
Construction against capital, the 100% screen28%4th of 1140%
Construction and land development, share of loans5.0%6th of 125.4%
Non-owner-occupied nonfarm nonresidential, share of loans26.5%8th of 1121.5%
Total CRE, the guidance definition, share of loans43.1%7th of 1241.2%
CRE growth over 36 months, the third prong-8.1%3rd of 11+27.2%
Commercial real estate against capital, the 300% screenMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 290% CB Comenity Bank 0% TB Trustco Bank 28% CB CFG Bank 239% CN Canandaigua National Bank & Trust Co. 241% FS Firstrust Savings Bank 245% PS Peoples Security Bank & Trust Co. 290% FS Five Star Bank 294% OB Orrstown Bank 300% SU Shore United Bank N.A. 326% MP Mid Penn Bank 328% NB Northfield Bank 381%
CRE growth over 36 months, the guidance's third prongMid-Atlantic banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +27.2% MP Mashreqbank PSC -60.6% NB Northfield Bank -18.7% CB CFG Bank -8.1% CN Canandaigua National Bank & Trust Co. +23.9% FS Five Star Bank +25.8% FS Firstrust Savings Bank +27.2% MP Mid Penn Bank +31.8% PS Peoples Security Bank & Trust Co. +37.1% TB Trustco Bank +44.7% OB Orrstown Bank +89.8% SU Shore United Bank N.A. +109.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Comenity Bank$7.37B4.9%49.8%3.24%6.54%11.6%157.7%13.8%
Mid Penn Bank$7.04B1.2%59.2%0.51%0.04%0.7%94.4%12.4%
Mashreqbank PSC$6.93Bno recordno record0.00%no recordno record86.4%no record
Trustco Bank$6.52B1.0%54.8%0.40%0.00%1.0%94.6%8.5%
Five Star Bank$6.29B1.4%52.1%0.82%0.27%1.0%89.6%10.8%
Shore United Bank N.A.$6.15B1.3%56.2%1.32%0.04%1.2%90.5%11.0%
CFG Bank$6.12B1.5%51.1%3.86%0.12%1.5%77.9%10.6%
Firstrust Savings Bank$5.62B1.8%54.8%0.79%0.42%1.6%97.2%10.7%
Orrstown Bank$5.61B1.7%55.8%0.60%0.10%1.1%89.0%11.1%
Northfield Bank$5.50B1.0%52.3%0.62%0.28%1.0%92.6%13.1%
Peoples Security Bank & Trust Co.$5.43B1.3%56.7%0.33%0.06%1.0%95.4%11.3%
Canandaigua National Bank & Trust Co.$5.41B1.3%59.2%0.83%0.10%0.9%89.7%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
CFG BankCohort median
20212026Change20212026Change
Loans$1.52B$3.98B+162%$2.84B$4.47B+57%
Deposits$1.71B$5.11B+199%$3.05B$4.69B+54%
NPA / loans1.23%3.86%+2.63 pts0.40%0.70%+0.30 pts
Efficiency40.5%51.1%+10.6 pts54.8%54.8%-0.0 pts
ROA4.06%1.48%-2.58 pts1.40%1.31%-0.09 pts

This read was prepared for CFG Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on CFG Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mid-Atlantic banks $3B to $10B
Institution www.cfg.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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