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Overview / Commentary
11 W. Ridgely Road
Lutherville, MD 21093

CFG Community Bank is headquartered in Lutherville and is the 17st largest bank in the state of Maryland. It is also the 1,394th largest bank in the nation. It was established in 1997 and as of December of 2013, it had grown to 94 employees at 3 locations. CFG Community Bank's money market rates are 2X the national average, and it has a A health rating.

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Data for Q4 2013

Institution Health


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, 2013 CFG Community Bank had $5.78 million in non-current loans and owned real-estate with $76.53 million in equity and loan loss allowances on hand to cover it. This gives CFG Community Bank a Texas Ratio of 7.55% which is excellent. 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 decreased dramatically from 13.76% as of December 31, 2012 to 7.55% as of December 31, 2013, resulting in a positive change of 45.09%.This indicates that the balance sheet and financial strength for CFG Community Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, CFG Community Bank has decreased its total deposits by -$16.71 million, resulting in -4.21% 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 below average.



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 $481.2 million in assets with $76.53 million in equity, resulting in a capitalization level of 15.90%, which is excellent.

Institution Statistics

FDIC Certificate #34294
Year Established1997
Primary RegulatorFED
Assets and Liabilities
Assets$481.20 million
Loans$383.50 million
Deposits$379.88 million
Equity Capital$71.30 million
Loan Loss Allowance$5.23 million
Unbacked Noncurrent Loans$5.25 million
Real Estate Owned$529,000
Historic Data - December 2012
Assets$455.09 million
Equity Capital$52.65 million
Loan Loss Allowance$4.94 million
Unbacked Noncurrent Loans$5.25 million
Real Estate Owned$962,000
Profit Margin - Quarterly
Net Interest Margin4.59%
Return on Assets5.06%
Return on Equity41.33%
Interest Income$23.00 million

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CFG Community Bank Savings Account Rates

0.20%$1k-Premier Statement Savings
0.20%$1k-Youth Saver

CFG Community Bank Money Market Rates

1.00%$1k-Maximum Money Market (New Money Promotion)
0.40%$100k-Elite Money Market

CFG Community Bank Checking Account Rates

0.30%$100k-Elite Checking Relationship Account
0.15%$20k-Golden Checking
0.10%$5k$20kGolden Checking Relationship Account

CFG Community Bank CD Rates

1.58%$500-33 Month Relationship CD Speical
1.36%$50-60 Month Relationship CD
1.33%$500-33 Month CD Speical
1.29%$500-13 Month Relationship CD Special
1.11%$500-60 Month CD
1.06%$50-48 Month Relationship CD
1.03%$500-13 Month CD Special
0.95%$50-36 Month Relationship CD
0.80%$500-48 Month CD
0.80%$50-30 Month Relationship CD
0.70%$500-36 Month CD
0.70%$50-24 Month Relationship CD
0.60%$50-18 Month Relationship CD
0.55%$500-30 Month CD
0.55%$50-12 Month Relationship CD
0.45%$500-24 Month CD
0.35%$500-18 Month CD
0.35%$50-6 Month Relationship CD
0.35%$50-3 Month Relationship CD
0.30%$500-12 Month CD
0.10%$500-3 Month CD
0.10%$500-6 Month CD

CFG Community Bank IRA Rates

1.33%$500-33 Month IRA Speical
1.11%$500-60 Month IRA
1.03%$500-13 Month IRA Special
0.80%$500-48 Month IRA
0.70%$500-36 Month IRA
0.55%$500-30 Month IRA
0.45%$500-24 Month IRA
0.35%$500-18 Month IRA
0.30%$500-12 Month IRA
0.10%$500-3 Month IRA
0.10%$500-6 Month IRA

CFG Community Bank Locations
Cfg Community Bank11 W. Ridgely RoadLutherville, MD 21093
Annapolis Branch1419 Forest DriveAnnapolis, MD 21403
Baltimore Branch1615 Thames StreetBaltimore, MD 21231