BlastPoint's Banking Scorecard
Community Federal Savings Bank
Community
Specialty: Commercial
NY
FDIC cert 57129
Woodhaven, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Community Federal Savings Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 15% in Community
- + Deposit Franchise: Top 22% in Community
- + Tier 1 Capital Ratio 12.66% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1% in Community
- - Efficiency Drag: Bottom 2% in Community
- - Margin Compression: Bottom 3% in Community
- - Loan-to-Deposit Ratio 36.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$866.4M
-3.0% YoY
+1.1% QoQ
|
-$525.1M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$350.7M
+15.1% YoY
+2.1% QoQ
|
-$624.7M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$753.5M
-5.7% YoY
+0.2% QoQ
|
-$411.2M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.29%
-50.6% YoY
-15.7% QoQ
|
+0.13% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.49%
+3.8% YoY
-2.5% QoQ
|
+0.82% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
82.91%
+31.9% YoY
+3.3% QoQ
|
+20.28% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.68%
-13.1% YoY
-2.1% QoQ
|
+0.05% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
46.55%
+22.1% YoY
+1.9% QoQ
|
-36.51% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
60.90%
-22.7% YoY
+4.3% QoQ
|
+39.85% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.28%
+3.1% YoY
-1.1% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
22.90%
-7.6% YoY
-4.4% QoQ
|
+12.66% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
5.30%
+15.1% YoY
+34.5% QoQ
|
+4.56% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#56 of 371 · Top 15% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
5.30%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.29%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#34 of 150 · Top 22% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
60.90%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.49%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.90%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Deposit Outflow
decline
#3 of 248 · Bottom 1% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Efficiency Drag
risk
#4 of 152 · Bottom 2% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.91%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Margin Compression
decline
#4 of 120 · Bottom 3% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.29%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
46.55%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 60.90% · Tier avg: 21.05%
99
99th pctile
Non-Interest Income / Assets
Current: 5.30% · Tier avg: 0.74%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.90% · Tier avg: 10.24%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
43
43th pctile
Total Deposits
Current: $753.5M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $866.4M · Tier avg: $1.4B
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
8
8th pctile
Total Loans
Current: $350.7M · Tier avg: $975.5M
8
8th pctile
Efficiency Ratio
Current: 82.91% · Tier avg: 62.63%
3
3th pctile
Loan-to-Deposit Ratio
Current: 46.55% · Tier avg: 83.06%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 46.55% · Tier avg: 83.06%
8
8th pctile
Efficiency Ratio
Current: 82.91% · Tier avg: 62.63%
8
8th pctile
Total Loans
Current: $350.7M · Tier avg: $975.5M
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
40
40th pctile
Total Assets
Current: $866.4M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $753.5M · Tier avg: $1.2B
57
57th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
62
62th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.90% · Tier avg: 10.24%
99
99th pctile
Non-Interest Income / Assets
Current: 5.30% · Tier avg: 0.74%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 60.90% · Tier avg: 21.05%