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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 75thStandingRank8-Qtr TrendPeer 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