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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 1.53% | 1.29% | -1.10% | -0.65% | -222 bps | |
| Return on Equity | 15.32% | 14.78% | 12.36% | -10.24% | -6.07% | -2,139 bps | |
| Net Interest Margin | 4.13% | 3.94% | 4.12% | 3.67% | 3.56% | -57 bps | |
| Efficiency Ratio | 81.18% | 80.24% | 82.91% | 112.04% | 107.17% | +2,599 bps | |
| Non-Interest Burden | 2.39% | 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 / Loans | 0.73% | 0.69% | 0.67% | 0.43% | 0.43% | -30 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.03% | 0.50% | 0.25% | +18 bps | |
| Allowance / Loans | 1.01% | 1.03% | 1.05% | 1.02% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.6x | 2.4x | 2.4x | +1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.45% | 10.18% | 11.03% | 10.56% | 9.94% | -51 bps | |
| Total Risk-Based Capital | 25.45% | 24.86% | 23.80% | 20.69% | 19.98% | -547 bps | |
| Equity / Assets | 10.92% | 10.75% | 10.81% | 10.67% | 10.91% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.88% | 46.16% | 47.04% | 52.87% | 55.68% | +979 bps | |
| Liquid Assets / Assets | 44.39% | 44.25% | 42.45% | 33.04% | 29.80% | -1,459 bps | |
| CRE / Total Capital | n/a | 325% | 325% | 372% | n/a | n/a | |