FIRST CENTRAL SAVINGS BANK

GLEN COVE, NY | Medium | Est. April 5, 1999, midnight | FDIC #34969 | RSSD #2797359 | FDIC
Latest Report: 2025-12-31

FIRST CENTRAL SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in GLEN COVE, NY, established in April 5, 1999, midnight. As of 2025-12-31, the bank reported total assets of $970M and total deposits of $837M. Profitability stands at 1.07% ROA and 11.04% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 14.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.73% and a Texas Ratio of 14.38%. FDIC Certificate #34969.

Assets

$970M

Deposits

$837M

Loans

$847M

Equity

$95M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 11.04%
Net Interest Margin (NIM) 3.53%
Yield on Assets 6.41%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 1.73%
Net Charge-Off Ratio 0.50%
Texas Ratio 14.38%
NPA Ratio 1.51%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 14.44%
Tier 1 Capital 14.44%
Total Capital Ratio 15.56%
Leverage Ratio 9.86%
Loan-to-Deposit 101.24%

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