FIRST CENTRAL SAVINGS BANK
FIRST CENTRAL SAVINGS BANK is an FDIC-insured commercial bank headquartered in GLEN COVE, NY, established in 1999. As of , 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 3.30%. CET1 capital ratio: 14.44%, well above regulatory minimums. NPL ratio: 2.02% · Texas Ratio: 16.76%. Operates 10 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
First Central Savings Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.44% | 1.07% | 2.02% | 16.76% | 3.30% |
| 2025-09-30 | 14.14% | 1.13% | 1.87% | 15.70% | 3.34% |
| 2025-06-30 | 13.86% | 0.64% | 2.28% | 19.87% | 3.31% |
| 2025-03-31 | 13.38% | 0.73% | 3.06% | 27.34% | 3.10% |
| 2024-12-31 | 13.42% | 0.82% | 2.66% | 23.62% | 2.91% |
| 2024-09-30 | 13.20% | 0.37% | 1.80% | 16.45% | 2.82% |
| 2024-06-30 | 13.35% | 0.47% | 2.38% | 21.53% | 2.84% |
| 2024-03-31 | 13.32% | 0.51% | 1.64% | 14.71% | 2.79% |
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Frequently asked about FIRST CENTRAL SAVINGS BANK
What are First Central Savings Bank's total assets?
As of the Q4 2025 filing, First Central Savings Bank reported total assets of $970.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Central Savings Bank headquartered?
First Central Savings Bank is headquartered in GLEN COVE, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Central Savings Bank founded?
First Central Savings Bank was established in 1999, per the FDIC institution directory.
Is First Central Savings Bank FDIC-insured?
Yes. First Central Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #34969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Central Savings Bank?
First Central Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Central Savings Bank's CET1 capital ratio?
First Central Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.44% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First Central Savings Bank operate?
First Central Savings Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Central Savings Bank's Texas Ratio?
First Central Savings Bank's Texas Ratio is 16.76% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.