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Community Federal Savings Bank

Woodhaven, NY · Cert 57129 · Community FSB Holding Co.

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Federal Savings Bank

Woodhaven, NY · Cert 57129 · Community FSB Holding Co.

State savings bank · OCC · 1 branch

Q2 2026

$827.0MAssets
$398.0MLoans
$714.9MDeposits
$90.2MEquity
Loan mix
98%RE $381.3M2%C&I $7.3M0%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
42%Interest-bearing $296.9M58%Noninterest $418.0MQ2 2025Q2 2026

NIM

5.13%Q2 ’244.73%Q2 ’254.27%Q2 ’26+5%-14%

Non-interest income vs. expense

5.25%Q2 ’247.47%Q2 ’259.39%Q2 ’26+533%+75%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #82 of 151 inst. · $0.7B of $2921.1B

Executive Summary

  • Earnings: ROA of -0.65%, down 222 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.43% of loans (-30 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 9.94%, down 51 bps from a year ago.
  • Funding: loans stand at 55.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.65%-222 bps YoY

Net Interest Margin (YTD, annualized)

3.56%-57 bps YoY

Efficiency Ratio (YTD, annualized)

107.17%+2,599 bps YoY

Tier 1 Leverage Ratio

9.94%-51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.53%1.29%-1.10%-0.65%-222 bps
Return on Equity15.32%14.78%12.36%-10.24%-6.07%-2,139 bps
Net Interest Margin4.13%3.94%4.12%3.67%3.56%-57 bps
Efficiency Ratio81.18%80.24%82.91%112.04%107.17%+2,599 bps
Non-Interest Burden2.39%2.20%2.51%4.78%4.19%+180 bps
Growth
Asset Growth (YoY)4.16%4.11%-2.96%6.47%1.75%-241 bps
Loan Growth (YoY)15.93%13.34%15.17%24.08%21.82%+589 bps
Deposit Growth (YoY)2.53%2.70%-5.70%5.48%0.39%-215 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.69%0.67%0.43%0.43%-30 bps
Net Charge-Offs / Loans0.07%0.05%0.03%0.50%0.25%+18 bps
Allowance / Loans1.01%1.03%1.05%1.02%1.02%+1 bps
Allowance Coverage of NPLs1.4x1.5x1.6x2.4x2.4x+1.0x
Capital
Tier 1 Leverage Ratio10.45%10.18%11.03%10.56%9.94%-51 bps
Total Risk-Based Capital25.45%24.86%23.80%20.69%19.98%-547 bps
Equity / Assets10.92%10.75%10.81%10.67%10.91%-2 bps
Liquidity & Funding
Loans / Deposits45.88%46.16%47.04%52.87%55.68%+979 bps
Liquid Assets / Assets44.39%44.25%42.45%33.04%29.80%-1,459 bps
CRE / Total Capitaln/a325%325%372%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Federal Savings Bank

Woodhaven, NY · Cert 57129 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Community FSB Holding Co.

State savings bank · OCC · 1 branch

Q2 2026

$827.0MAssets
$398.0MLoans
$714.9MDeposits
$90.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 68% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 10 of 31).
  • Widest gap: return on equity trails 90% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 31).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.67%

Rank 28 of 31

Net Interest Margin

3.56%

Rank 10 of 31

Efficiency Ratio

107.17%

Rank 27 of 31

Equity / Assets

10.91%

Rank 23 of 31

Non-interest income vs. expense

$48.5M$87.4MINCOMEEXPENSE
Unfavorable gap of $39.0M · efficiency ratio beats 16% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 107.17%Peer median 83.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.67%-0.02%0.39%0.84%Beats 10%28 / 31
Return on Equity-6.15%-0.19%2.57%5.72%Beats 10%28 / 31
Net Interest Margin3.56%2.51%3.30%3.85%Beats 68%10 / 31
Efficiency Ratio107.17%68.41%83.66%91.76%Beats 16%27 / 31
Asset Quality
Nonperforming Loans / Loans0.43%0.18%0.47%2.65%Beats 53%15 / 30
Net Charge-Offs / Loans0.12%n/an/a0.02%Beats 13%27 / 30
Capital
Tier 1 Capital Ratio19.14%13.24%15.54%26.77%Beats 55%14 / 31
Total Risk-Based Capital Ratio19.98%14.07%16.32%26.77%Beats 55%14 / 31
Equity / Assets10.91%10.38%13.26%17.83%Beats 26%23 / 31
Liquidity & Funding
Loans / Deposits55.68%84.03%94.98%103.65%6th pctl29 / 31
Loans / Assets48.13%61.61%75.31%83.78%10th pctl28 / 31
Brokered Deposits / Depositsn/aNot reported for this institution