CROSS COUNTY SAVINGS BANK

MIDDLE VILLAGE, NY | Medium | Est. Jan. 1, 1888, midnight | FDIC #30260 | RSSD #1007873 | FDIC
Latest Report: 2025-12-31

CROSS COUNTY SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in MIDDLE VILLAGE, NY, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $530M and total deposits of $452M. Profitability stands at 0.52% ROA and 4.11% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 20.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.08% and a Texas Ratio of 6.29%. FDIC Certificate #30260.

Assets

$530M

Deposits

$452M

Loans

$402M

Equity

$67M

Profitability

Return on Assets (ROA) 0.52%
Return on Equity (ROE) 4.11%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.13%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 1.08%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.29%
NPA Ratio 0.82%
ACL / Loans 0.51%

Capital & Liquidity

CET1 Ratio 20.40%
Tier 1 Capital 20.40%
Total Capital Ratio 21.02%
Leverage Ratio 12.73%
Loan-to-Deposit 88.90%

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