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Financial Information

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CFG, the 2nd largest bank headquartered in Baltimore, Maryland, has:

"A" rating from Egan Jones
300/300 "Superior" IDC Rating
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

Q2 2021 Capital Funding Bancorp, Inc. Bondholder Presentation

Balance Sheet

	12/31/18 YTD	12/31/19 YTD	12/31/20 YTD	6/30/21 YTD
Total Assets ($000s)	$832,274	$1,226,251	$1,714,351	$2,045,459
Total Loans ($000s)	$696,120	$915,454	$1,291,544	$1,521,141
Total Deposits ($000s)	$659,577	$1,044,098	$1,494,580	$1,708,201
Loan Growth	19.3%	31.5%	41.1%	17.7%
Loans/Deposits	105.5%	87.7%	86.4%	89.1%

Performance Measures

	12/31/18 YTD	12/31/19 YTD	12/31/20 YTD	6/30/21 YTD
Net Income ($000s)*	$24,595	$19,968	$34,874	$38,996
ROAA*	3.20%	1.95%	2.10%	4.17%
ROAE*	18.64%	11.91%	20.36%	39.11%
Net Interest Margin	5.0%	4.8%	3.66%	4.63%
Efficiency Ratio	55.8%	63.0%	48.60%	40.49%

Capital Ratios

	12/31/18 YTD	12/31/19 YTD	12/31/20 YTD	6/30/21 YTD
Risk-Based Capital Ratio**	20.87%	15.27%	N/A	N/A
Tier 1 Risk-Based Ratio**	19.58%	14.00%	N/A	N/A
Leverage Ratio	17.46%	12.65%	9.22%	11.87%

Asset Quality

	12/31/18 YTD	12/31/19 YTD	12/31/20 YTD	6/30/21 YTD
Non-Performing Loans	1.89%	0.99%	1.46%	1.23%
Non-Performing Assets	1.59%	0.74%	1.19%	0.98%
Loan Loss Reserves/Loans	2.24%	2.06%	2.11%	2.03%
Loan Loss Reserves/NPLs	118.0%	208.1%	144.3%	164.5%
Texas Ratio	8.7%	5.6%	9.8%	7.9%

	12/31/18 YTD	12/31/19 YTD	12/31/20 YTD	6/30/21 YTD
Full Time Employees	125	132	147	163

Ratings

	12/31/18 YTD	12/31/19 YTD	12/31/20 YTD	6/30/21 YTD
IDC	300	300	300	300
Egan Jones Rating	A	A	A	A

Source: S&P Global Market Intelligence derived from selected FFIEC Call Report data for the periods presented.
*These performance measures reflect S Corporation earnings and are accordingly not tax effected.

**Effective with the filing of the 9/30/20 Call Report, CFG Community Bank elected the Community Bank. Leverage
Ratio and the Risk-Based and Tier 1 Risk -Based capital ratios were no longer required.

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