Community Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Federal Savings Bank is an FDIC-insured savings institution headquartered in Woodhaven, NY, established in 2001 (FDIC certificate 57129), and it is supervised by the OCC. At Q2 2026 it reported total assets of $827.0M, up 1.7% from Q2 2025, the 55th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 19.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57129
- Headquarters
- Woodhaven, NY
- Established
- 2001
- Total assets, Q2 2026
- $827.0M
- Assets vs Q2 2025
- +1.7%
- CET1 ratio, Q2 2026
- 19.14%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 026073008
- Latest call report
- Q2 2026, FFIEC 041 · Community Federal Savings Bank call report
- Holding company
- COMMUNITY FSB HOLDING COMPANY
- Asset rank in state
- 55th of 105 in New York
Community Federal Savings Bank spends more to run itself than most banks of its size. Its balance sheet stood at $827 million at June 30, 2026, up 1.7% from a year earlier; it is based in Woodhaven, New York. It loses about $0.18 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 102 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $417,000 in the quarter. Over the same year, loans grew 21.8% and deposits grew 0.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.6 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Community Federal Savings Bank reported a CET1 capital ratio of 19.14%, a return on assets of -0.18%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 1.79%. The figures come from its call report filed with the FFIEC.
Community Federal Savings Bank ranks as the 55th largest of the 105 banks based in New York, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.5% to $827.0M, loans rose 2.1% and deposits fell 3.1%. Its loan book on June 30, 2026 was led by multifamily loans, at 78.4% of total loans, followed by 1-4 family residential loans at 8.7%. Its one office in the FDIC Summary of Deposits is in Woodhaven, NY. By the capital ratios in its Q2 2026 call report, Community Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8916 Jamaica Ave, Woodhaven, NY 11421
- County
- Queens
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 16, 2001
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 227
- Domestic deposits
- $714.9M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $491K
- Average total assets
- $930.9M
- Average total loans
- $395.7M
- Average interest-bearing deposits
- $350.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 16, 2001
- FDIC Cert
- 57129
- Fed RSSD
- 3040418
- Website
- www.cfsb.com →
- Parent Holding Company
- COMMUNITY FSB HOLDING COMPANY (RSSD 3793125)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community Federal Savings Bank's total assets ran between $637.5M (Q3 2023) and $892.8M (Q4 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$827.0M total assets against $812.8M; $736.8M total liabilities against $724.0M.
$394.0M net loans and leases against $323.4M; $714.9M total deposits against $712.1M.
$118.7M securities against $78.5M; $251.1M cash and balances due against $362.1M.
$10.3M total interest income against $10.3M; $1.8M total interest expense against $1.5M.
$8.5M net interest income against $8.7M.
$12.1M total noninterest income against $10.8M; $21.0M total noninterest expense against $15.4M.
$80K provision for credit losses against $191K.
-$417K net income against $2.9M.
-0.18% return on assets against 1.34%; 3.92% net interest margin against 4.22%.
19.14% CET1 capital ratio against 24.56%; 9.94% tier 1 leverage ratio against 10.45%.
Inside the full Community Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Community Federal Savings Bank rankings
Its closest position to the top of a national ranking is 387 of 2,134, for CET1 ratio; its furthest is 3,557 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.07% (Q1 2026) to 2.77% (Q3 2024) and its net interest margin ran from 3.92% (Q2 2026) to 4.41% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.14% | -0.18% | 0.43% | 1.79% | 3.92% |
| Q1 2026 | 19.84% | -1.07% | 0.43% | 1.79% | 3.94% |
| Q4 2025 | 22.90% | 0.59% | 0.67% | 2.45% | 4.12% |
| Q3 2025 | 23.95% | 1.35% | 0.69% | 2.49% | 4.25% |
| Q2 2025 | 24.56% | 1.34% | 0.73% | 2.37% | 4.22% |
| Q1 2025 | 24.18% | 1.65% | 0.79% | 2.55% | 4.41% |
| Q4 2024 | 24.80% | 1.68% | 0.77% | 2.58% | 4.32% |
| Q3 2024 | 24.03% | 2.77% | 0.81% | 2.67% | 4.38% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Federal Savings Bank (main office) | Woodhaven , NY | 11421 | $714.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 6 against the institution (OCC, OCC (former OTS))
- April 24, 2026, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Community Federal Savings Bank
- February 20, 2020, OCC: Formal Agreement: Community Federal Savings Bank
- February 6, 2014, OCC: Formal Agreement: Community Federal Savings Bank
- February 17, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Community Federal Savings Bank
- February 17, 2011, OCC (former OTS): Cease and Desist: Community Federal Savings Bank
- Period: Most recent institution action April 24, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 86 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 34 applications, 29 loans originated, $75.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.4M approved, $675K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Federal Savings Bank
What are Community Federal Savings Bank's total assets?
As of the Q2 2026 filing, Community Federal Savings Bank reported total assets of $827.0 million in its FFIEC call report.
Where is Community Federal Savings Bank headquartered?
It is headquartered in Woodhaven, NY, United States.
When was Community Federal Savings Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Community Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #57129). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Federal Savings Bank?
Community Federal Savings Bank's primary federal regulator is the OCC.
What is Community Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Federal Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 1.79% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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