CFG Community Bank

11 W. Ridgely Road
Lutherville, MD 21093
410-342-8303
www.cfgcommunitybank.com

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CFG Community Bank is headquartered in Lutherville and is the 17^st largest bank in the state of Maryland. It is also the 1,475^th largest bank in the nation. It was established in 1997 and as of December of 2012, it had grown to 97 employees at 3 locations. CFG Community Bank's money market rates are 2X the national average, and it boasts a 5-star health rating.

CFG Community Bank Routing Number: 052073519

1.70% No-Penalty 9-Month CD Continues In Maryland (Forum) - 11/4/2010

CFG Community Bank continues to offer a special no-penaltly 9-month CD with a 1.70% APY as of 11/04/2010. I first reported on this special in this August post. The CD isn't listed at the bank's website. I had to call the bank for info on it. Unfortunate

Special No-Penalty 9-Month CD at CFG Community Bank in MD - Local Only - 8/11/2010

CFG Community Bank is offering some very competitive CD specials, and it also has competitive rates for its regular CDs. One of the CD specials is a 9-month no-penalty CD with a 1.70% APY. The no-pena ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

CFG Community Bank Checking Account Rates

Apy	Min	Max	Product
0.30%	$100k	-	Elite Checking Relationship Account
0.15%	$20k	-	Golden Checking
0.10%	$5k	$20k	Golden Checking Relationship Account

CFG Community Bank Savings Account Rates

Apy	Min	Max	Product
0.35%	$1k	-	Premier Statement Savings
0.35%	$1k	-	Youth Saver

CFG Community Bank Money Market Rates

Apy	Min	Max	Product
1.00%	$1k	-	Maximum Money Market (New Money Promotion)
0.70%	$100k	-	Maximum Money Market (Regular)
0.55%	$100k	-	Elite Money Market

CFG Community Bank CD Rates

Apy	Min	Max	Product
1.60%	$50	-	59 Month Relationship CD Promo
1.41%	$50	-	60 Month Relationship CD
1.35%	$500	-	59 Month CD Promo
1.16%	$500	-	60 Month CD
1.11%	$50	-	48 Month Relationship CD
0.95%	$50	-	36 Month Relationship CD
0.85%	$500	-	48 Month CD
0.85%	$50	-	30 Month Relationship CD
0.80%	$50	-	23 Month Relationship CD Promo
0.70%	$500	-	36 Month CD
0.70%	$50	-	24 Month Relationship CD
0.65%	$50	-	18 Month Relationship CD
0.60%	$500	-	30 Month CD
0.60%	$50	-	12 Month Relationship CD
0.55%	$500	-	23 Month Two-Time Bump-Up CD Promo
0.45%	$500	-	24 Month CD
0.45%	$50	-	6 Month Relationship CD
0.40%	$500	-	18 Month CD
0.35%	$500	-	12 Month CD
0.35%	$50	-	3 Month Relationship CD
0.20%	$500	-	6 Month CD
0.10%	$500	-	3 Month CD

CFG Community Bank IRA Rates

Apy	Min	Max	Product
1.35%	$500	-	59 Month IRA Promo
1.16%	$500	-	60 Month IRA
0.85%	$500	-	48 Month IRA
0.70%	$500	-	36 Month IRA
0.60%	$500	-	30 Month IRA
0.55%	$500	-	23 Month Two-Time Bump-Up IRA Promo
0.45%	$500	-	24 Month IRA
0.40%	$500	-	18 Month IRA
0.35%	$500	-	12 Month IRA
0.20%	$500	-	6 Month IRA
0.10%	$500	-	3 Month IRA

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

CFG Community Bank
FDIC Certificate #	34294
BankRate Report	View
Year Established	1997
Employees	97
Primary Regulator	FED
Assets and Liabilities
Assets	$455.09 million
Loans	$330.56 million
Deposits	$396.59 million
Equity Capital	$52.65 million
Loan Loss Allowance	$4.94 million
Unbacked Noncurrent Loans	$6.96 million
Real Estate Owned	$962,000
Historic Data - December 2011
Assets	$411.84 million
Equity Capital	$50.15 million
Loan Loss Allowance	$4.18 million
Unbacked Noncurrent Loans	$7.05 million
Real Estate Owned	$1.13 million
Profit Margin - Quarterly
Net Interest Margin	4.14%
Return on Assets	1.65%
Return on Equity	13.41%
Interest Income	$18.85 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 CFG Community Bank had $7.92 million in non-current loans and owned real-estate with $57.59 million in equity and loan loss allowances on hand to cover it. This gives CFG Community Bank a Texas Ratio of 13.76% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for CFG Community Bank held steady from 15.06% as of December 31, 2011 to 13.76% as of December 31, 2012, resulting in a positive change of 8.64%.This indicates that the balance sheet and financial strength for CFG Community Bank has held steady in recent periods.
Deposit Growth
In the past year, CFG Community Bank has increased its total deposits by $39.14 million, resulting in 10.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth CFG Community Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. CFG Community Bank has $455.09 million in assets with $57.59 million in equity, resulting in a capitalization level of 12.65%, which is excellent.