Woodhaven, NY · Cert 57129 · Community FSB Holding Co.
State savings bank · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
45
Asset Quality
33
Profitability
29
Liquidity
0
Efficiency
16
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.
Woodhaven, NY · Cert 57129 · Community FSB Holding Co.
State savings bank · OCC · 1 branch
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #82 of 151 inst. · $0.7B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.94% | 2.62% | 1.71% | 1.57% | 1.53% | 1.29% | -1.10% | -0.65% | -222 bps | |
| Return on Equity | 33.19% | 29.34% | 17.28% | 15.32% | 14.78% | 12.36% | -10.24% | -6.07% | -2,139 bps | |
| Net Interest Margin | 3.90% | 3.71% | 4.22% | 4.13% | 3.94% | 4.12% | 3.67% | 3.56% | -57 bps | |
| Efficiency Ratio | 59.03% | 62.87% | 83.55% | 81.18% | 80.24% | 82.91% | 112.04% | 107.17% | +2,599 bps | |
| Non-Interest Burden | 0.30% | 0.63% | 2.67% | 2.39% | 2.20% | 2.51% | 4.78% | 4.19% | +180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.14% | 29.58% | -7.05% | 4.16% | 4.11% | -2.96% | 6.47% | 1.75% | -241 bps | |
| Loan Growth (YoY) | 29.47% | 19.59% | 18.09% | 15.93% | 13.34% | 15.17% | 24.08% | 21.82% | +589 bps | |
| Deposit Growth (YoY) | 29.39% | 30.10% | -9.98% | 2.53% | 2.70% | -5.70% | 5.48% | 0.39% | -215 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.81% | 0.77% | 0.79% | 0.73% | 0.69% | 0.67% | 0.43% | 0.43% | -30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | 0.15% | 0.07% | 0.05% | 0.03% | 0.50% | 0.25% | +18 bps | |
| Allowance / Loans | 0.97% | 1.00% | 0.99% | 1.01% | 1.03% | 1.05% | 1.02% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.3x | 1.4x | 1.5x | 1.6x | 2.4x | 2.4x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.79% | 9.36% | 10.08% | 10.45% | 10.18% | 11.03% | 10.56% | 9.94% | -51 bps | |
| Total Risk-Based Capital | 24.92% | 25.71% | 25.03% | 25.45% | 24.86% | 23.80% | 20.69% | 19.98% | -547 bps | |
| Equity / Assets | 9.57% | 9.14% | 10.76% | 10.92% | 10.75% | 10.81% | 10.67% | 10.91% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.83% | 38.52% | 44.94% | 45.88% | 46.16% | 47.04% | 52.87% | 55.68% | +979 bps | |
| Liquid Assets / Assets | 53.52% | 53.28% | 44.56% | 44.39% | 44.25% | 42.45% | 33.04% | 29.80% | -1,459 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 325% | 372% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.56% | 2.51% | 3.30% | 3.85% | Beats 68% | 10 / 31 | ||
| Efficiency Ratio | 107.17% | 68.41% | 83.66% | 91.76% | Beats 16% | 27 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.18% | 0.47% | 2.65% | Beats 53% | 15 / 30 | ||
| Net Charge-Offs / Loans | 0.12% | n/a | n/a | 0.02% | Beats 13% | 27 / 30 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.14% | 13.24% | 15.54% | 26.77% | Beats 55% | 14 / 31 | ||
| Total Risk-Based Capital Ratio | 19.98% | 14.07% | 16.32% | 26.77% | Beats 55% | 14 / 31 | ||
| Equity / Assets | 10.91% | 10.38% | 13.26% | 17.83% | Beats 26% | 23 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.68% | 84.03% | 94.98% | 103.65% | 6th pctl | 29 / 31 | ||
| Loans / Assets | 48.13% | 61.61% | 75.31% | 83.78% | 10th pctl | 28 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||