| Metric | CFG Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +5.5% | +5.6 pts |
| Deposit growth (YoY) | +6.1% | +5.1% | +1.0 pts |
| Loan growth (YoY) | +6.5% | +6.0% | +0.6 pts |
| ROA | 1.47% | 1.26% | +0.2 pts |
| ROE | 13.3% | 12.2% | +1.1 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.12B | $5.11B | $3.92B | $651.0M | $43.0M | 1.47% | 3.91% | 3.74% |
| Q1 2026 | $5.73B | $4.98B | $3.78B | $643.6M | $22.9M | 1.59% | 4.02% | 3.50% |
| Q4 2025 | $5.74B | $4.99B | $3.87B | $639.8M | $79.0M | 1.43% | 4.21% | 3.47% |
| Q3 2025 | $5.47B | $4.76B | $3.60B | $617.1M | $53.6M | 1.31% | 4.29% | 4.12% |
| Q2 2025 | $5.51B | $4.81B | $3.68B | $600.4M | $34.5M | 1.27% | 4.34% | 4.89% |
| Q1 2025 | $5.43B | $4.75B | $3.63B | $582.3M | $17.0M | 1.26% | 4.15% | 5.15% |
| Q4 2024 | $5.40B | $4.74B | $3.61B | $560.0M | $64.8M | 1.25% | 4.65% | 5.42% |
| Q3 2024 | $5.27B | $4.57B | $3.55B | $587.5M | $66.8M | 1.74% | 4.89% | 3.10% |
Loan mix (Q2 2026): real estate $2.92B · commercial $1.05B · consumer $210K · securities $1.47B
| Ratio | CFG Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 59.0% | 26th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | CFG Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | CFG Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | CFG Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | CFG Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | CFG Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2025) · $5.11B branch deposits. Biggest market: Baltimore, MD, ranked 2nd with 15.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baltimore, MD | 1 | $4.89B | 15.22% | 2nd |
| Anne Arundel, MD | 1 | $152.2M | 0.66% | 19th |
| Baltimore (City), MD | 1 | $65.9M | 0.15% | 20th |
Maryland: 11th with 2.07% · Baltimore-Columbia-Towson metro: 6th, 4.04% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (11 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).