BlastPoint's Banking Scorecard
CFG Bank
Mid-Market
Specialty: Commercial
MD
FDIC cert 34294
Designations: ✓ Community bank
Lutherville, MD
201
banks in Mid-Market tier nationally
4 in MD
View Mid-Market leaderboard (MD) →
CFG Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 33% in Mid-Market
- - Delinquency Rate 2.78% above tier
- - Nonperforming Asset Ratio 2.97% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
+6.3% YoY
+4.8% QoQ
|
-$4.7B |
$10.5B
+2.9% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$3.9B
+7.3% YoY
+7.6% QoQ
|
-$3.3B |
$7.1B
+4.5% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$5.0B
+5.3% YoY
+4.9% QoQ
|
-$3.5B |
$8.5B
+3.0% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.43%
+14.6% YoY
+9.3% QoQ
|
+0.27% |
1.16%
+9.4% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.21%
-9.3% YoY
-1.9% QoQ
|
+0.82% |
3.40%
+7.9% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
51.22%
+15.3% YoY
-4.9% QoQ
|
-5.39% |
56.60%
-3.2% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
3.46%
-48.9% YoY
-13.0% QoQ
|
+2.78% |
0.68%
+12.0% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
77.49%
+1.8% YoY
+2.6% QoQ
|
-7.99% |
85.47%
+1.1% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
9.41%
-7.2% YoY
-6.1% QoQ
|
-11.23% |
20.64%
-0.3% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
3.47%
-36.0% YoY
-15.8% QoQ
|
+2.97% |
0.50%
+7.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.19%
+5.0% YoY
-3.4% QoQ
|
-1.36% |
13.55%
+1.8% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.65%
+6.7% YoY
+34.1% QoQ
|
-0.30% |
0.96%
+7.1% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Cost Spiral
risk
#3 of 7 · Bottom 33% in Mid-Market
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
51.22%
(Tier: 56.60%, National: 65.09%)
7 of 7 Mid-Market banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
3.46%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
3.47%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.40%
76
76th pctile
Loan-to-Deposit Ratio
Current: 77.49% · Tier avg: 85.47%
70
70th pctile
Efficiency Ratio
Current: 51.22% · Tier avg: 56.60%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
48
48th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.96%
35
35th pctile
Tier 1 Capital Ratio
Current: 12.19% · Tier avg: 13.55%
20
20th pctile
Total Deposits
Current: $5.0B · Tier avg: $8.5B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 9.41% · Tier avg: 20.64%
14
14th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
14
14th pctile
Total Loans
Current: $3.9B · Tier avg: $7.1B
0
0th pctile
Delinquency Rate
Current: 3.46% · Tier avg: 0.68%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.47% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.47% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.46% · Tier avg: 0.68%
14
14th pctile
Total Loans
Current: $3.9B · Tier avg: $7.1B
14
14th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 9.41% · Tier avg: 20.64%
20
20th pctile
Total Deposits
Current: $5.0B · Tier avg: $8.5B
35
35th pctile
Tier 1 Capital Ratio
Current: 12.19% · Tier avg: 13.55%
48
48th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.96%
70
70th pctile
Return on Assets
Current: 1.43% · Tier avg: 1.16%
70
70th pctile
Efficiency Ratio
Current: 51.22% · Tier avg: 56.60%
76
76th pctile
Loan-to-Deposit Ratio
Current: 77.49% · Tier avg: 85.47%
85
85th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.40%