Community Federal Savings Bank
Woodhaven, NY·RSSD 3040418·FDIC 57129·bank:3040418·Risk-based ratios where reported
- #68 of 127Total assets in New York
- 1offices
- 227employees
- Top 1%Fee income vs. peers
- Top 6%Loan growth in the U.S.
- Top 8%Cost of deposits vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Community Federal Savings Bank
10 of 23 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter1.00%peers 1.80%-80 bps
Community Federal Savings Bank's cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.00% | 1.80% | -80 bps |
| Share of deposits that pay no interest | ||
| 58.5% | 20.5% | +37.9 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Federal Savings Bank itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal 2nd quarter4.41%peers 3.99%+42 bps
Community Federal Savings Bank's net interest margin lagged similar banks as its cost of deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.41% | 3.99% | +42 bps |
| Cost of all deposits | ||
| 1.00% | 1.80% | -80 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Federal Savings Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter102.4%peers 60.8%+41.6 pp
Community Federal Savings Bank's efficiency ratio rose 23.7 percentage points over the past year to 102.4%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 102.4% | 60.8% | +41.6 pp |
| 12-month change | ||
| +23.7 pp | -2.1 pp | +25.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Federal Savings Bank itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter55.7%+9.8 pp in 12 months
Community Federal Savings Bank's loans rose to 55.7% of deposits, 9.8 percentage points higher than a year earlier, while cash fell to 30.4% of assets. The median change in the loan-to-deposit ratio among 1435 similar banks was +0.9 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 55.7% | +9.8 pp in 12 months |
| Cash / assets | |
| 30.4% | -14.2 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Federal Savings Bank itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter5.77%peers 0.45%+533 bps
Community Federal Savings Bank's noninterest income relative to average assets was 5.77%, compared with a median of 0.45% among 1434 similar banks: higher than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 5.77% | 0.45% | +533 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Federal Savings Bank itself is left out of every peer median and percentile. How signals work
5 more observations
- Return on assets falling while the peer median risesEarnings
- Deposit costs rising while the peer median fallsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Net interest margin narrowing while the peer median widensEarnings
- Unrealized securities position worsening while the peer median improvesCapital
Key facts
- Community Federal Savings Bank is a bank headquartered in Woodhaven, New York. It reported $827 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $715 million, up 0.4% from a year earlier, and loans totaled $398 million, up 21.8%.
- Its net interest margin was 4.41% and its annualized return on assets was -0.20% for the quarter.
- Its cost of all deposits was 1.00%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Community Federal Savings Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Community Federal Savings Bank · Bank
- Federal Reserve RSSD
- 3040418
- FDIC certificate
- 57129
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Community Federal Savings Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$417K | — | |
| $10.27M | — | |
| $1.8M | — | |
| $8.47M | — | |
| $12.05M | — | |
| $21.01M | — | |
| $80K | — | |
| $80K | — | |
| -0.20% | -0.20%ROAQ · Quarter | |
| 4.41% | 4.40%NIMYQ · Quarter | |
| 102.37% | 102.37%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.