CFSBANK
Charleroi, PA
IDRSSD: 100777
Total Assets
$754.87M
Latest filing
Total Deposits
$646.45M
Latest filing
Net Interest Margin
2.05%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
CFSBANK
101 Mckean Ave
Charleroi, PA 15022
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1935FDIC Certificate 42506
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| CFSBANK (Main) | 101 Mckean Ave | Charleroi, PA |
| 205 S ARCH ST BRANCH | 205 S Arch St | Connellsville, PA |
| 919 MAIN ST BRANCH | 919 Main St | Bentleyville, PA |
| 1652 ROSTRAVER ROAD BRANCH | 1652 Rostraver Rd | Belle Vernon, PA |
| 1220 WEST MAIN ST BRANCH | 1220 W Main St | Monongahela, PA |
| SEVEN FIELDS BRANCH | 101 Highpointe Blvd | Seven Fields, PA |
| HEMPFIELD BRANCH | 105 Walton Tea Room Rd | Greensburg, PA |
| PETERS TOWNSHIP BRANCH | 622 E Mcmurray Rd | Mc Murray, PA |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1935 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 15022 |
| State and County Number | 42125 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Pittsburgh, PA |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.cfsbank.com |
| Data Updated | 11/14/2025 |
| CERT | 29672 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $754.87M |
| Total Deposits | $646.45M |
| Total Liabilities | $680.61M |
| Total Equity Capital | $74.26M |
| Net Income | $388.00k |
| Net Loans and Leases | $452.82M |
| Assets Per Employee ($Millions) | $8.03M |
| Bank Premises and Fixed Assets | $16.68M |
| Cash and Balances due from Depository Institutions | $23.73M |
| Deposits Held in Domestic Offices | $646.45M |
Key Performance Ratios
| Return on Assets (ROA) | 0.2% |
| Return on Equity (ROE) | 2.12% |
| Net Interest Margin | 2.05% |
| Efficiency Ratio | 91.17% |
| Tier 1 Risk-Based Capital Ratio | 20.521% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.837% |
| Earning Assets to total Assets | 91.88% |
Income and Expense
| Total Interest Income | $8.32M |
| Total Noninterest Income | $1.36M |
| Total Interest Expense | $4.56M |
| Total Noninterest Expense | $4.67M |
| Net Interest Income | $3.76M |
| Pre-tax Net Operating Income | $452.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $52.00k |
| Other borrowed funds | $30.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.16M |
| Total Liabilities and Capital | $754.87M |
Securities
| Securities | $226.78M |
| Available-for-sale debt securities | $199.44M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $27.34M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CFSBANK?
$754.87M as of the latest filing.
How much are CFSBANK's total deposits?
$646.45M in total deposits.
Where is CFSBANK located?
Charleroi, PA.
What is the Net Interest Margin?
2.05%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1935.
What is the Return on Assets (ROA)?
0.2%.
How much are total loans and leases?
$452.82M (latest filing).
What is the total interest income (latest filing)?
$8.32M.