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Financial Information

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CFG, the 12th largest bank headquartered in Maryland, has:

"A" rating from Egan Jones
300/300 "Superior" IDC Rating
Is ranked third nationally by the Independent Community Bankers of America as a top performing bank between $300 million and $1 billion in assets as part of its annual "Best of the Best" list.
An A+ health rating from DepositAccounts.com

Click here to view detailed year-by-year CFG Bank financial highlights

Balance Sheet

	12/31/17 YTD	12/31/18 YTD	12/31/19 YTD	9/30/20 YTD
Total Assets ($000s)	$684,325	$832,274	$1,226,251	$1,725,139
Total Loans ($000s)	$583,439	$696,120	$915,454	$1,346,560
Total Deposits ($000s)	$499,279	$659,577	$1,044,098	$1,519,974
Loan Growth	-3.0%	19.3%	31.5%	47.1%
Loans/Deposits	116.9%	105.5%	87.7%	88.6%

Performance Measures

	12/31/17 YTD	12/31/18 YTD	12/31/19 YTD	9/30/20 YTD
Net Income ($000s)*	$17,913	$24,595	$19,968	$19,307
ROAA*	2.58%	3.20%	1.95%	1.72%
ROAE*	15.75%	18.64%	11.91%	15.22%
Net Interest Margin	5.5%	5.0%	4.8%	3.7%
Efficiency Ratio	56.6%	55.8%	63.0%	50.3%

Capital Ratios

	12/31/17 YTD	12/31/18 YTD	12/31/19 YTD	9/30/20 YTD
Risk-Based Capital Ratio**	18.37%	20.87%	15.27%	N/A
Tier 1 Risk-Based Ratio**	17.07%	19.58%	14.00%	N/A
Leverage Ratio	14.16%	17.46%	12.65%	10.34%

Asset Quality

	12/31/17 YTD	12/31/18 YTD	12/31/19 YTD	9/30/20 YTD
Non-Performing Loans	2.70%	1.89%	0.99%	0.29%
Non-Performing Assets	2.30%	1.59%	0.74%	0.32%
Loan Loss Reserves/Loans	2.35%	2.24%	2.06%	1.86%
Loan Loss Reserves/NPLs	86.6%	118.0%	208.1%	618.8%
Texas Ratio	14.3%	8.7%	5.6%	3.0%

	12/31/17 YTD	12/31/18 YTD	12/31/19 YTD	9/30/20 YTD
Full Time Employees	119	125	132	141

Ratings

	12/31/17 YTD	12/31/18 YTD	12/31/19 YTD	9/30/20 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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