Community Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 5.42 percentage points in Q2 2026, from 355.83% to 361.25%. It was the largest change from Q1 2026 among the key lines here. Community Federal Savings Bank ranks 90th of 105 New York banks on loan-to-deposit ratio, in the lower half at 55.68% (Q2 2026). Community Federal Savings Bank reported 55.68% on loan-to-deposit ratio for Q2 2026, 25.16 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $398.0M |
| Net loans and leases | $394.0M |
| Loans held for sale | $338K |
| Loans to total assets | 48.13% |
| Loan-to-deposit ratio | 55.68% |
| Net loans to equity capital | 4.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.66% |
| Multifamily (5+ residential) | 78.43% |
| Commercial and industrial | 0.12% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 361.25% |
| Construction concentration (Tier 1 capital + allowance) | 2.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.85% |
| Interest income on loans | $5.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $236.5M | $565.7M | 12.87% | 4.00% | 1.13% |
| Q4 2023 | $257.3M | $614.1M | 11.77% | 2.89% | 0.93% |
| Q1 2024 | $266.1M | $776.7M | 11.89% | 2.76% | 0.85% |
| Q2 2024 | $281.8M | $694.5M | 12.73% | 2.51% | 0.77% |
| Q3 2024 | $306.1M | $731.9M | 11.53% | 1.58% | 0.67% |
| Q4 2024 | $307.7M | $799.0M | 12.20% | 1.71% | 0.65% |
| Q1 2025 | $314.3M | $699.2M | 9.76% | 1.65% | 0.57% |
| Q2 2025 | $326.7M | $712.1M | 9.31% | 1.09% | 0.51% |
| Q3 2025 | $347.0M | $751.7M | 11.21% | 0.88% | 0.45% |
| Q4 2025 | $354.4M | $753.5M | 10.87% | 1.70% | 0.43% |
| Q1 2026 | $389.9M | $737.6M | 12.47% | 0.20% | 0.34% |
| Q2 2026 | $398.0M | $714.9M | 11.66% | 0.12% | 0.31% |
Community Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)