Community Federal Savings Bank: how it compares with its peers
Against 37 NY banks with half to twice its assets, Community Federal Savings Bank's strongest measure in Q2 2026 is net interest margin (4.23% vs. a 3.64% peer median). Its weakest relative measure is assets per employee ($3.6M vs. $7.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.65% | 0.80% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 3.64% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 107.17% | 72.57% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.6M | $7.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.11% | 83.61% | Context |
What it means for lending operations
Its efficiency ratio of 107.17% is above the 72.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Quontic Bank Astoria, NY · $787M
- Lake Shore Bank Dunkirk, NY · $736M
- First National Bank of Scotia Scotia, NY · $719M
- Jeff Bank, National Association Jeffersonville, NY · $686M
- Geddes Federal Savings and Loan Association Syracuse, NY · $686M
- Watertown Savings Bank Watertown, NY · $971M
Questions about Community Federal Savings Bank
How big is Community Federal Savings Bank?
Community Federal Savings Bank, established in 2001, is headquartered in Woodhaven, NY. It reported $827M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Community Federal Savings Bank's return on assets?
-0.65% annualized in Q2 2026, against a 0.80% median for 37 NY banks with half to twice its assets, ahead of 8% of them.
What is Community Federal Savings Bank's efficiency ratio?
107.17% in Q2 2026: it spent about 107 cents in noninterest expense for each dollar of revenue. The peer median is 72.57%, and lower is better.
Is Community Federal Savings Bank growing its loans?
Net loans grew 21.8% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.