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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.85% | 1.77% | 1.71% | 1.45% | 1.49% | 0.59% | -1.10% | -0.20% | -165 bps | |
| Return on Equity | 30.30% | 18.94% | 17.28% | 13.41% | 13.75% | 5.47% | -10.24% | -1.85% | -1,525 bps | |
| Net Interest Margin | 4.21% | 4.15% | 4.22% | 4.02% | 4.03% | 3.86% | 3.67% | 3.64% | -38 bps | |
| Efficiency Ratio | 57.79% | 73.09% | 83.55% | 78.70% | 78.45% | 90.86% | 112.04% | 102.37% | +2,368 bps | |
| Non-Interest Burden | 0.18% | 1.72% | 2.67% | 2.10% | 2.08% | 2.99% | 4.78% | 3.85% | +175 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% | 0.13% | 0.15% | 0.00% | 0.01% | 0.00% | 0.50% | 0.00% | 0 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 | |