CFSBANK

101 Mckean Avenue
Charleroi, PA 15022

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29672
Date Established 1935
Assets $0.51 billion
Loans $0.28 billion
Deposits $0.43 billion
Capital $0.07 billion

CFSBANK is an FDIC insured institution located in Charleroi, PA. It was founded in 1935 and has approximately $0.51 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of CFSBANK's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in CFSBANK’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Pennsylvania, CFSBANK has a significantly higher percent of 1-4 Family Residential Loans, Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 81.09
Multifamily
Mortgages
0.03
Credit Card Loans 0.33
Consumer Auto Loans 0.02
Small Business Loans 11.57
Construction and Development Loans 1.37
Commercial Real Estate 11.57
Commercial and Industrial Loans 3.26
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.03% $50 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.50% $1,000 - Learn MoreShow Less
Special: 24 Mo FIRA
1.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.25% $25 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.03% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.02% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CFSBANK

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
HomeDirect Mortgage
NMLS ID: 420821
3.888% 3.875% 0.13 $497 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to CFSBANK
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

CFSBANK branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Cfsbank Locations

Financial Details

CFSBANK Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CFSBANK. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CFSBANK U.S. Bank Average
2.4% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, CFSBANK had $1,794,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $73,631,000 in equity and $1,120,000 in loans loss reserves. That gives it a Texas Ratio of 2.4%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
CFSBANK U.S. Bank Average
2.42% 8.58

CFSBANK has a Return on Equity of 2.42% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
CFSBANK U.S. Bank Average
14.54% 12.11

CFSBANK has a Capitalization of 14.54% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CFSBANK Balance Sheet Analysis

As of June 30, 2017, CFSBANK had assets of $506,504,000, loans of $277,357,000, and deposits of $429,831,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About CFSBANK

Branches and Savings

Is CFSBANK FDIC insured?

Yes. It is covered under FDIC Certificate #29672.

Why does CFSBANK pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are CFSBANK CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is CFSBANK a commercial bank?

Yes

Where are CFSBANK locations?

See branch locations nearby.

Is CFSBANK open on Saturdays?

Is CFSBANK open on Sundays?

What time does CFSBANK open?

What time does CFSBANK close?

Are CFSBANK ATMs Open 24/7?

Do CFSBANK ATMs accept cash deposits?

Can CFSBANK customers use other ATMs?

Do CFSBANK branches have notaries?

Will CFSBANK notarize my document?

What address for CFSBANK should I put for incoming ACH transfers?

Will the CFSBANK branch print checks?

Do CFSBANK checks expire?

Does CFSBANK require US citizenship to open account?

Can CFSBANK close my account?

Does CFSBANK Report to credit bureaus?

Does CFSBANK Use Equifax?

What is CFSBANK's ACH Routing Number?

What is CFSBANK's SWIFT code?

Products

Does CFSBANK offer mortgages?

Compare mortgage rates here.

Does CFSBANK offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does CFSBANK offer personal loans?

Compare personal loan rates here.

Does CFSBANK offer student loans?

Will CFSBANK cash a check?

Will CFSBANK redeem a savings bond?

Does CFSBANK cash savings bonds?

Will CFSBANK cash money orders?

Can CFSBANK issue a money order?

Does CFSBANK do currency exchange?

Background on The Bank

Who owns CFSBANK?

How long has CFSBANK been around?

Can CFSBANK transfer to other banks?

Does CFSBANK have quick pay?

Does CFSBANK accept rolled coins?

Will CFSBANK accept loose change?

Where is CFSBANK headquarters?

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