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Community Federal Savings Bank

$100M-$1B Specialty: Commercial NY FDIC cert 57129

Woodhaven, NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 48 in NY.
  • Deposits +0.4% year over year ($714.9M on the books).
  • Delinquency rate 0.43%.
  • Return on assets -0.65%.
  • Efficiency ratio 107.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 55.11% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 48 in NY
View $100M-$1B leaderboard (NY) →

Community Federal Savings Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 33.6% in tier
  • + Non-Interest-Bearing Deposit Share 36.44% above tier average
  • + Net Interest Margin 0.24% above tier average
  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 11.6% in tier
  • - Return on Assets 1.98% below tier average
Get updates when Community Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $827.0M
+1.7% YoY -2.5% QoQ
+$440.4M $386.6M
+1.2% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Top 6.7% in tier
Total Loans ? $394.0M
+21.8% YoY +2.1% QoQ
+$135.6M $258.3M
+1.7% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $714.9M
+0.4% YoY -3.1% QoQ
+$388.1M $326.7M
+0.7% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
Top 5.9% in tier
Return on Assets ? -0.65%
-141.7% YoY +40.4% QoQ
-1.98% 1.32%
+10.8% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Bottom 1.6% in tier
Net Interest Margin ? 4.23%
-7.4% YoY +3.9% QoQ
+0.24% 3.99%
+5.0% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 107.17%
+32.0% YoY -4.3% QoQ
+42.70% 64.48%
-3.2% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 1.8% in tier
Delinquency Rate ? 0.43%
-41.7% YoY -2.0% QoQ
-0.49% 0.92%
+15.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 55.11%
+21.3% YoY +5.3% QoQ
-22.84% 77.95%
+1.0% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 12.6% in tier
Non-Interest-Bearing Deposit Share ? 58.47%
-6.1% YoY +2.8% QoQ
+36.44% 22.03%
-0.6% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Top 0.8% in tier
Nonperforming Asset Ratio ? 0.20%
-30.2% YoY +2.6% QoQ
-0.46% 0.67%
+16.4% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 19.14%
-22.1% YoY -3.6% QoQ
+3.23% 15.91%
+1.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 2.93%
+7.5% YoY +104.1% QoQ
+2.37% 0.57%
+7.6% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Top 1.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 58.5%
-3.8pp YoY
+1.6pp QoQ
 +36.3pp 22.1% 22.1% 22.2% 99%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 0.1%
-1.0pp YoY
-0.1pp QoQ
 -11.4pp 11.6% 11.0% 12.5% 1%
CRE 91.6%
+2.7pp YoY
 +52.1pp 39.5% 46.2% 41.4% 100%
1-4 Family 8.8%
-1.4pp YoY
-0.2pp QoQ
 -23.9pp 32.6% 36.6% 31.3% 9%
Consumer 0.3%
-0.2pp YoY
0.0pp QoQ
 -3.8pp 4.1% 5.1% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 19.1%
-5.4pp YoY
-0.7pp QoQ
 +0.3pp 18.8% 26.1% 19.7% 75%
Leverage Ratio 9.9%
-0.5pp YoY
-0.6pp QoQ
 -2.2pp 12.2% 13.9% 12.6% 30%
Total Capital Ratio 20.0%
-5.5pp YoY
-0.7pp QoQ
 0.0pp 19.9% 27.2% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 227
+24 (+11.8%) YoY
-5 (-2.2%) QoQ
 +168 58 914 482 99%
Assets per Employee ($) $3.6M
-9.0% YoY
-0.4% QoQ
 -$3.9M $7.5M $14.8M $8.8M 3%
Branch Count 1
0 YoY
0 QoQ
 -4 4 27 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.4%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.3% 1.0% 49%
Allowance Coverage 2.40x
+73.9% YoY
+2.0% QoQ
 -21.75x 24.15x 1.92x 20.23x 53%
Net Charge-off Rate (YTD) 0.3%
+0.2pp YoY
-0.3pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE -6.1%
-21.4pp YoY
+4.2pp QoQ
 -18.3pp 12.2% 7.9% 11.6% 2%
Cost of Funds (YTD) 0.9%
+0.2pp YoY
+0.1pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 7%
Net Income ($, YTD) $-2774000.0
-142.4% YoY
— QoQ
 -$5.3M $2.6M $111.2M $40.4M 1%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#223 of 661 • Top 33.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 2.93%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: -0.65%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (1)

Efficiency Drag

risk
#43 of 361 • Bottom 11.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 107.17%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

23
Non-Interest-Bearing Deposit Share
funding
Value: 58.47%
Peer Median: 22.03%
#23 of 2643 Top 0.8% in $100M-$1B
33
Non-Interest Income / Assets
revenue_mix
Value: 2.93%
Peer Median: 0.57%
#33 of 2643 Top 1.2% in $100M-$1B
157
Total Deposits
size
Value: $714.88M
Peer Median: $326.73M
#157 of 2643 Top 5.9% in $100M-$1B
179
Total Assets
size
Value: $826.98M
Peer Median: $386.57M
#179 of 2643 Top 6.7% in $100M-$1B
333
Loan-to-Deposit Ratio
liquidity
Value: 55.11%
Peer Median: 77.95%
#333 of 2643 Top 12.6% in $100M-$1B
414
Tier 1 Capital Ratio
capital
Value: 19.14%
Peer Median: 15.91%
#414 of 2643 Top 15.6% in $100M-$1B
562
Total Loans
size
Value: $393.95M
Peer Median: $258.35M
#562 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (2 metrics)

2601
Return on Assets
profitability
Value: -0.65%
Peer Median: 1.32%
#2601 of 2643 Bottom 1.6% in $100M-$1B
2597
Efficiency Ratio
profitability
Value: 107.17%
Peer Median: 64.48%
#2597 of 2643 Bottom 1.8% in $100M-$1B
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