Community Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.79 percentage points in Q2 2026, from 235.64% to 240.43%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Community Federal Savings Bank is 7th from the bottom among 105 New York banks, -0.18% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Community Federal Savings Bank reported -0.18% on return on assets in Q2 2026, 1.43 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.14% |
| Tier 1 risk-based capital ratio | 19.14% |
| Total risk-based capital ratio | 19.98% |
| Tier 1 leverage ratio | 9.94% |
| Equity capital to assets | 10.91% |
| Tangible equity to tangible assets | 10.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.79% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 240.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.18% |
| Return on equity | -1.85% |
| Net interest margin | 3.92% |
| Efficiency ratio | 102.37% |
| Yield on earning assets | 4.75% |
| Cost of funds | 0.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.68% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.44% |
| Securities to assets | 14.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 24.44% | 24.44% | 25.35% | 8.90% | 2.58% |
| Q4 2023 | 23.26% | 23.26% | 24.16% | 8.86% | 2.11% |
| Q1 2024 | 24.30% | 24.30% | 25.19% | 9.21% | 3.38% |
| Q2 2024 | 24.23% | 24.23% | 25.09% | 9.56% | 2.67% |
| Q3 2024 | 24.03% | 24.03% | 24.92% | 9.79% | 2.77% |
| Q4 2024 | 24.80% | 24.80% | 25.71% | 9.36% | 1.68% |
| Q1 2025 | 24.18% | 24.18% | 25.03% | 10.08% | 1.65% |
| Q2 2025 | 24.56% | 24.56% | 25.45% | 10.45% | 1.34% |
| Q3 2025 | 23.95% | 23.95% | 24.86% | 10.18% | 1.35% |
| Q4 2025 | 22.90% | 22.90% | 23.80% | 11.03% | 0.59% |
| Q1 2026 | 19.84% | 19.84% | 20.69% | 10.56% | -1.07% |
| Q2 2026 | 19.14% | 19.14% | 19.98% | 9.94% | -0.18% |
Community Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)