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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Charleroi, PA · FDIC certificate #29672
CFSBANK is an FDIC-insured institution based in Charleroi, PA (FDIC certificate #29672). In its Q3 2026 Call Report it reported total assets of $786M, total deposits of $648M and net loans of $521M. Its primary federal regulator is FDIC.
Plain-language readout
CFSBANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $786M in Q3 2026 and were lowest at $752M in Q1 2026.
Total deposits were highest at $648M in Q1 2026 and lowest at $642M in Q2 2026.
Over the whole period total assets rose 4.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $786M | $648M | $521M | 0.24% | 2.50% | 2.27% |
| Q2 2026 | $773M | $642M | $495M | 0.21% | 2.16% | 2.20% |
| Q1 2026 | $752M | $648M | $475M | 0.16% | 1.55% | 2.16% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.1M | $13.0M | +$1.1M | +8.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $210.3M | $212.6M | -$2.3M | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $6.2M | $3.1M | +$3.2M | +103.4% |
| Net loans and leases (after allowance) | $488.7M | $471.8M | +$17.0M | +3.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $18.3M | $17.8M | +$507K | +2.8% |
| Other real estate owned | $0K | $52K | -$52K | -100.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $180K | $183K | -$3K | -1.6% |
| All other assets | $35.5M | $34.0M | +$1.5M | +4.5% |
| Total assets | $773.4M | $752.5M | +$20.9M | +2.8% |
| Liabilities | ||||
| Total deposits | $642.2M | $648.3M | -$6.1M | -0.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $52.0M | $25.0M | +$27.0M | +108.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.7M | $3.8M | -$106K | -2.8% |
| Total liabilities | $697.9M | $677.1M | +$20.8M | +3.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $84.0M | $83.5M | +$520K | +0.6% |
| Accumulated other comprehensive income | -$8.6M | -$8.1M | -$468K | -5.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $75.4M | $75.4M | +$52K | +0.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $1.0M | +$182K | +18.1% |
| Adjusted nonperforming assets | $1.2M | $1.0M | +$182K | +18.1% |
| Tangible equity plus allowance | $77.5M | $77.5M | +$71K | +0.1% |
| Texas ratio (gross) | 1.53% | 1.30% | +0.23 pts | See points |
| Texas ratio (adjusted) | 1.53% | 1.30% | +0.23 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.53% | 1.30% | +0.23 pts | See points |
| Tier 1 capital to risk-weighted assets | 19.55% | 20.07% | -0.52 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 19.55% | 20.07% | -0.52 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.55% | 0.56% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 20.10% | 20.63% | -0.53 pts | See points |
| Tier 1 leverage (approximate) | 10.96% | 11.14% | -0.19 pts | See points |
| Construction and land loans to total capital | 17.41% | 13.52% | +3.89 pts | See points |
| Commercial real estate to total capital | 48.34% | 46.44% | +1.89 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.84% | -15.91% | +0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $386.7M | $352.6M | +$34.1M | +9.7% |
| Non-core funding | $307.5M | $320.7M | -$13.2M | -4.1% |
| Loans to core deposits | 126.97% | 134.44% | -7.47 pts | See points |
| Loans to deposits | 76.46% | 73.12% | +3.33 pts | See points |
| Brokered deposits share of deposits | 19.15% | 20.94% | -1.79 pts | See points |
| Pledged securities share of securities | 37.47% | 36.34% | +1.14 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $310.5M | $323.7M | -$13.2M | -4.1% |
| Earnings | ||||
| Earnings before provision, year to date | $982K | $310K | +$672K | +216.8% |
| Earnings before provision, single quarter | $672K | $310K | +$362K | +116.8% |
| Provision for credit losses, year to date | $60K | $0K | +$60K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.00% | 4.97% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 2.03% | 2.39% | -0.35 pts | See points |
| Total interest income to average assets | 4.12% | 4.06% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.39% | 0.32% | +0.07 pts | See points |
| Cost of savings and money market deposits | 1.26% | 1.22% | +0.04 pts | See points |
| Cost of time deposits | 3.86% | 3.83% | +0.03 pts | See points |
| Total interest expense to average assets | 2.06% | 2.06% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $786M | $648M | $521M | 0.24% | 2.50% | 2.27% |
| 2026-06-30 | $773M | $642M | $495M | 0.21% | 2.16% | 2.20% |
| 2026-03-31 | $752M | $648M | $475M | 0.16% | 1.55% | 2.16% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $717.3M | 0.13% | 66 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.