Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 20.0 and a capital leverage ratio of 9.9. A current level of 1.8 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.1).
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 (6.8 on a scale of 0 to 10). Fair liquidity 4.5, driven by a liquidity ratio of 39.6 percent and a “hot money” ratio of 0.1 percent.
Asset Mix:
Cash (30%), securities (14%), comm re (6%), home mtgs (4%), consumer loans (0%), other (46%)
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
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