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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Community FSB

Woodhaven, New York · $827M in assets · beside the 11 other New York banks between $300M and $1B

The filing

55.7%
Loans / deposits
1st of 12
87.6%
CRE / loans
12th of 12
-0.60%
ROA
11th of 12

Community FSB is the third largest of the 12 New York banks nearest its size between $300M and $1B, with $827M in assets at 30 June 2026. Loans are 55.7% of deposits, the lowest in the cohort against a median of 85.8%, and equity is 10.9% of assets, 8th of 12. Loans grew +21.8% in the year, 3rd of 12, and deposits grew 0.4%; the cohort's median loan growth is +4.8%.

Noncurrent loans are 0.43% of the book, 4th of 12 against a median of 0.80%; 0.00% is 30 to 89 days past due, and the allowance covers them 2.4 times. Net charge-offs are 0.25% of loans, 11th of 12. Commercial real estate is 87.6% of loans, the highest in the cohort against a median of 30.2%, and 361% of capital, above the 300% screen, with construction at 2% against the 100% screen. CRE has grown +96.1% over 36 months, past the guidance's 50% prong.

Return on assets is -0.60%, 11th of 12 against a median of 0.55%, on an efficiency ratio of 107.2%, 11th of 12. Five years ago it was 0.52%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 30.2% QB Quontic Bank 0.2% GF Geddes Federal Savings & Loan Association 0.2% FN First National Bank of Scotia 17.4% WS Watertown Savings Bank 23.0% JB Jeff Bank 24.4% TS Tioga State Bank N.A. 25.3% MB Modern Bank National Association 35.1% BP BTG Pactual Bank N.A. 39.7% LS Lake Shore Bank 46.3% CF Carver Federal Savings Bank 51.3% SB Spring Bank 74.4% CF Community FSB 87.6%
Loans, year over yearNY banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.8% BP BTG Pactual Bank N.A. +67.0% SB Spring Bank +33.8% CF Community FSB +21.8% QB Quontic Bank +7.6% JB Jeff Bank +6.1% TS Tioga State Bank N.A. +5.7% MB Modern Bank National Association +3.8% GF Geddes Federal Savings & Loan Association +3.7% WS Watertown Savings Bank +3.5% FN First National Bank of Scotia +1.2% LS Lake Shore Bank +1.0% CF Carver Federal Savings Bank -8.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Community FSBRankCohort median
Total CRE against capital, the 300% screen361%11th of 12127%
Construction against capital, the 100% screen2%5th of 126%
Construction and land development, share of loans0.6%4th of 121.1%
Non-owner-occupied nonfarm nonresidential, share of loans8.6%4th of 1211.8%
Total CRE, the guidance definition, share of loans87.6%12th of 1230.2%
CRE growth over 36 months, the third prong+96.1%11th of 12+8.5%
Commercial real estate against capital, the 300% screenNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 127% GF Geddes Federal Savings & Loan Association 1% QB Quontic Bank 2% BP BTG Pactual Bank N.A. 38% WS Watertown Savings Bank 82% JB Jeff Bank 91% FN First National Bank of Scotia 125% TS Tioga State Bank N.A. 128% LS Lake Shore Bank 202% MB Modern Bank National Association 241% SB Spring Bank 361% CF Community FSB 361% CF Carver Federal Savings Bank 442%
CRE growth over 36 months, the guidance's third prongNY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +8.5% QB Quontic Bank -59.8% GF Geddes Federal Savings & Loan Association -58.8% MB Modern Bank National Association -37.4% CF Carver Federal Savings Bank -4.6% LS Lake Shore Bank -0.6% WS Watertown Savings Bank +7.7% FN First National Bank of Scotia +9.3% TS Tioga State Bank N.A. +16.9% JB Jeff Bank +31.5% BP BTG Pactual Bank N.A. +31.5% CF Community FSB +96.1% SB Spring Bank +149.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
BTG Pactual Bank N.A.$978M-0.1%83.5%0.18%0.28%1.0%97.1%46.8%
Watertown Savings Bank$971M1.9%49.1%1.95%0.13%1.2%75.7%18.3%
Community FSB$827M-0.6%107.2%0.43%0.25%1.0%55.7%10.9%
Quontic Bank$787M0.4%89.3%3.53%0.00%0.2%88.5%11.0%
Lake Shore Bank$736M1.1%65.7%0.25%0.00%0.8%94.0%16.5%
First National Bank of Scotia$719M0.7%74.3%1.50%0.14%1.1%81.8%9.5%
Jeff Bank$686M1.9%50.3%0.37%0.00%1.3%64.7%14.1%
Geddes Federal Savings & Loan Association$686M0.3%78.0%0.44%0.00%0.2%113.4%14.6%
Carver Federal Savings Bank$658M-0.7%115.8%3.46%0.22%1.0%95.0%7.2%
Modern Bank National Association$649M0.1%101.6%5.60%0.00%1.5%101.3%10.4%
Spring Bank$641M1.6%41.2%0.60%0.07%1.2%83.2%13.9%
Tioga State Bank N.A.$625M1.3%66.6%1.00%0.04%1.6%73.1%10.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Community FSBCohort median
20212026Change20212026Change
Loans$485M$398M-18%$476M$502M+5%
Deposits$292M$715M+145%$561M$580M+3%
NPA / loans0.40%0.43%+0.03 pts0.75%0.80%+0.05 pts
Efficiency80.1%107.2%+27.1 pts68.5%76.1%+7.6 pts
ROA0.52%-0.60%-1.12 pts0.80%0.55%-0.25 pts

This read was prepared for Community FSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Community FSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $300M to $1B
Institution www.cfsb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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