Cfsbank

Charleroi, PA · FDIC Certificate #29672 · Chartered 01/0

Total assets

$773.38M

Total deposits

$642.22M

Total equity

$75.43M

Net loans

$494.96M

Branches (offices)

Net income (YTD)

$813.00K

Rank: #1,287 of 4,213 U.S. banks by assets · #51 of 109 in Pennsylvania. Assets changed -6.5% and deposits -10.5% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	0.21%
Return on equity	2.16%
Net interest margin (YTD)	2.20%
Equity to assets	9.75%
Tier 1 leverage ratio	10.96%
Uninsured deposits (share of deposits)	35.1%
Noncurrent loans (share of loans)	0.24%
Net charge-offs (share of loans)	0.01%
Loans to deposits	77.1%
Real estate loans (share of loans)	92.5%

Loan mix

Category	Amount	Share
Real estate loans	$457.66M	92.5%
Commercial & industrial	$18.85M	3.8%
Consumer / individual	$20.07M	4.1%
Construction & development	$14.89M	3.0%
Agricultural	$0	0.0%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$572.27M	$502.71M	$1.21M	$66.27M
Jun 2023	$613.29M	$518.32M	$479.00K	$63.48M
Jun 2024	$669.61M	$558.73M	$129.00K	$66.94M
Jun 2025	$827.52M	$717.34M	$872.00K	$72.41M
Jun 2026	$773.38M	$642.22M	$813.00K	$75.43M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Pennsylvania	$642.22M	10

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $642.22M.

Similar-sized banks

American Bank, National Association ($773.83M) · Citizens Bank Of West Virginia, Inc. ($772.47M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.