Community Federal Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Equity capital to average assets, which fell 0.60 percentage points to 9.69%. Community Federal Savings Bank ranks 25th of 82 New York banks on CET1 ratio, in the upper half at 19.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Community Federal Savings Bank sits 4.07 points higher, at 19.14% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.14% |
| Tier 1 risk-based capital ratio | 19.14% |
| Total risk-based capital ratio | 19.98% |
| Tier 1 leverage ratio | 9.94% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $92.5M |
| Tier 1 capital | $92.5M |
| Total risk-based capital | $96.6M |
| Total equity capital | $90.2M |
| Risk-weighted assets | $483.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.91% |
| Tangible equity to tangible assets | 10.91% |
| Equity capital to average assets | 9.69% |
| Internal capital growth rate | -1.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $53.4M |
| Retained earnings | $39.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 24.44% | 24.44% | 25.35% | 8.90% | $242.5M |
| Q4 2023 | 23.26% | 23.26% | 24.16% | 8.86% | $271.2M |
| Q1 2024 | 24.30% | 24.30% | 25.19% | 9.21% | $285.8M |
| Q2 2024 | 24.23% | 24.23% | 25.09% | 9.56% | $308.2M |
| Q3 2024 | 24.03% | 24.03% | 24.92% | 9.79% | $334.7M |
| Q4 2024 | 24.80% | 24.80% | 25.71% | 9.36% | $339.6M |
| Q1 2025 | 24.18% | 24.18% | 25.03% | 10.08% | $363.8M |
| Q2 2025 | 24.56% | 24.56% | 25.45% | 10.45% | $370.1M |
| Q3 2025 | 23.95% | 23.95% | 24.86% | 10.18% | $392.5M |
| Q4 2025 | 22.90% | 22.90% | 23.80% | 11.03% | $416.0M |
| Q1 2026 | 19.84% | 19.84% | 20.69% | 10.56% | $468.2M |
| Q2 2026 | 19.14% | 19.14% | 19.98% | 9.94% | $483.3M |
Community Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Federal Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57129) · FFIEC NIC profile (RSSD 3040418)