TellerScore

Cfsbank (FDIC certificate #29672) is based in Charleroi, Pennsylvania. Its Q2 2026 call report shows $773.4M in total assets and $642.2M in deposits and 11 offices.

Based on its Q2 2026 filing, Cfsbank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 63rd. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is earnings (29/100; 0.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.96%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings29/100
Return on assets (annualized): 0.21%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 77.1% · 35.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.53%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (64 → 66), mostly because the capital cushion component improved by 10 points.

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202468
Q4 202466
Q1 202565
Q2 202564
Q3 202563
Q4 202565
Q1 202666
Q2 202666
Tier 1 leverage ratio
5.00%8.70%12.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.39%
Q3 202411.83%
Q4 202410.95%
Q1 202510.93%
Q2 202510.00%
Q3 202510.25%
Q4 202510.99%
Q1 202611.14%
Q2 202610.96%
Noncurrent loans
0.16%0.25%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.22%
Q4 20240.22%
Q1 20250.27%
Q2 20250.22%
Q3 20250.33%
Q4 20250.27%
Q1 20260.20%
Q2 20260.24%
Return on assets
0.04%0.13%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.04%
Q3 20240.05%
Q4 20240.07%
Q1 20250.16%
Q2 20250.23%
Q3 20250.22%
Q4 20250.20%
Q1 20260.16%
Q2 20260.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$773.4M10.96%0.24%0.21%77.1%
Q1 202666$752.5M11.14%0.20%0.16%73.2%
Q4 202565$745.7M10.99%0.27%0.20%73.2%
Q3 202563$754.9M10.25%0.33%0.22%70.0%
Q2 202564$827.5M10.00%0.22%0.23%62.6%
Q1 202565$755.7M10.93%0.27%0.16%69.3%
Q4 202466$729.2M10.95%0.22%0.07%71.6%
Q3 202468$739.4M11.83%0.22%0.05%72.1%
Q2 202471$669.6M12.39%0.16%0.04%74.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.96%
49th
Total risk-based capital20.10%
87th
Problem loans0.24%
62nd
Net charge-offs0.01%
44th
Return on assets0.21%
6th
Net interest margin2.20%
1st
Efficiency ratio90.4%
5th
Loans to deposits77.1%
56th
Uninsured deposits35.1%
17th
Loan-loss reserves0.46%
2nd
Texas ratio1.5%
63rd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
First Resource BankBank Exton, PA67 out of 100, Moderate$840.9M8.6%0.12%vs
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs
InFirst BankBank Indiana, PA69 out of 100, Moderate$683.2M9.5%0.10%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs
New Tripoli BankBank New Tripoli, PA66 out of 100, Moderate$674.0M10.6%0.89%vs
Pennian BankBank Mifflintown, PA55 out of 100, Moderate$667.9M9.2%1.09%vs

Deposit insurance

Is my money safe at Cfsbank?

Yes. Cfsbank is an FDIC-insured institution (FDIC certificate #29672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.1% of deposits ($225.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.10% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Cfsbank lists 11 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cfsbank reported 423 home-loan applications under HMDA (LEI 549300GJHCU3PV11PY25): 341 originated ($90,985,000 total), 32 denied, and 48 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cfsbank
Former names
Charleroi Federal Savings Bank; Charleroi Federal Savings and Loan Association
Type
SI
FDIC certificate #
29672
RSSD ID
100777
Primary regulator
FDIC
Holding company
Charleroi Financial Mhc
Established
January 1, 1935
Headquarters
101 Mckean Ave, Charleroi, PA 15022
Employees
107

Quick answers

Cfsbank: common questions

Is Cfsbank FDIC insured?

Yes. Cfsbank is an FDIC-insured institution (FDIC certificate #29672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cfsbank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cfsbank ever failed?

There is no failure record for FDIC certificate #29672 in the FDIC failed bank list.

How many branches does Cfsbank have?

11 offices as of the latest FDIC data.

Nearby

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