CFG, the largest bank headquartered in Baltimore, Maryland, has:
- "A" rating from Egan Jones
- 300/300 "Superior" IDC Rating
- Ranked #11 in the country by S&P Global Market Intelligence for best-performing community banks with less than $3 billion in assets in 2021
- National ranking by the Independent Community Bankers of America, as a top performing bank as part of its annual "Best of the Best" list
- An A+ health rating from DepositAccounts.com
Q1 2022 Capital Funding Bancorp, Inc. Bondholder Presentation
Balance Sheet
| 12/31/19 YTD |
12/31/20 YTD |
12/31/21 YTD |
3/31/22 YTD |
|
|---|---|---|---|---|
| Total Assets ($000s) | $1,226,251 | $1,714,351 | $2,634,154 | $2,776,207 |
| Total Loans ($000s) | $915,454 | $1,291,544 | $1,915,628 | $2,054,050 |
| Total Deposits ($000s) | $1,044,098 | $1,494,580 | $2,225,121 | $2,366,510 |
| Loan Growth | 31.5% | 41.1% | 48.3% | 8.5% |
| Loans/Deposits | 87.7% | 86.4% | 86.1% | 86.8% |
Performance Measures
| 12/31/19 YTD |
12/31/20 YTD |
12/31/21 YTD |
3/31/22 YTD |
|
|---|---|---|---|---|
| Net Income ($000s)* | $19,968 | $34,874 | $76,423 | $20,697 |
| ROAA* | 1.95% | 2.10% | 3.68% | 3.09% |
| ROAE* | 11.91% | 20.36% | 35.07% | 32.77% |
| Net Interest Margin | 4.82% | 3.66% | 5.08% | 5.09% |
| Efficiency Ratio | 62.97% | 48.60% | 42.17% | 46.70% |
Capital Ratios
| 12/31/19 YTD |
12/31/20 YTD |
12/31/21 YTD |
3/31/22 YTD |
|
|---|---|---|---|---|
| Risk-Based Capital Ratio** | 15.27% | N/A | N/A | N/A |
| Tier 1 Risk-Based Ratio** | 14.00% | N/A | N/A | N/A |
| Leverage Ratio | 12.65% | 9.22% | 10.46% | 9.76% |
Asset Quality
| 12/31/19 YTD |
12/31/20 YTD |
12/31/21 YTD |
3/31/22 YTD |
|
|---|---|---|---|---|
| Non-Performing Loans | 0.99% | 1.46% | 0.33% | 0.35% |
| Non-Performing Assets | 0.74% | 1.19% | 0.30% | 0.32% |
| Loan Loss Reserves/Loans | 2.06% | 2.11% | 1.89% | 1.87% |
| Loan Loss Reserves/NPLs | 208.1% | 144.3% | 556.1% | 516.3% |
| Texas Ratio | 5.6% | 9.8% | 2.8% | 3.0% |
| 12/31/19 YTD |
12/31/20 YTD |
12/31/21 YTD |
3/31/22 YTD |
|
|---|---|---|---|---|
| Full Time Employees | 132 | 147 | 174 | 189 |
Ratings
| 12/31/19 YTD |
12/31/20 YTD |
12/31/21 YTD |
3/31/22 YTD |
|
|---|---|---|---|---|
| IDC | 300 | 300 | 300 | 300 |
| Egan Jones Rating | A | A | A | A |
