Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 24.7 and a capital leverage ratio of 9.9. A current level of 2.5 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 53.7 percent and a “hot money” ratio of 0.4 percent.
Asset Mix:
Cash (45%), securities (9%), comm re (4%), home mtgs (4%), comm loans (1%), consumer loans (0%), other (37%)
States with Branches:
NY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Community FSB Holding Company
Investment Rating
--
Address
Five Penn Plaza, 14th Floor
New York, NY 10001
New York, NY 10001
Phone Number
(212) 897-9650
Year Founded
2001
FDIC Number
Website
Largest Affiliates
No affiliate information available.