Is Community FSB Safe?
Community FSB has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (78/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 24.23% | 100/100 |
| Nonperforming Loan Ratio | 1.12% | 78/100 |
| Liquidity Ratio | 59.68% | 100/100 |
| Return on Assets | 3.53% | 100/100 |
| Total Assets | $0.8B | |
How does Community FSB compare?
With a Bank Health Score of 93/100, Community FSB sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within New York, where 130 FDIC-insured banks are headquartered, Community FSB ranks above the state average of 71/100 (Grade B).
The bank's Tier 1 capital ratio of 24.23% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.12% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Community FSB's Bank Health Score fell by 1.0 points to 93/100. Tier 1 capital weakened by 0.21 percentage points to 24.23%.
Community FSB has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (78/100).