Bank Comparison
First Central Savings Bank vs BTG Pactual Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 9
winning metrics across 16 scored rows
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Capital adequacy
| Metric | First Central Savings Bank | BTG Pactual Bank, N.A. |
|---|---|---|
| CET1 Ratio | 14.32% | 111.63% |
| Tier 1 Capital Ratio | 14.32% | 111.63% |
| Total Capital Ratio | 15.47% | 112.79% |
| Tier 1 Leverage Ratio | 10.30% | 48.10% |
| Equity / Assets | 9.70% | 46.84% |
Profitability
| Metric | First Central Savings Bank | BTG Pactual Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.92% | -0.19% |
| Return on Equity (ROE) | 9.35% | -0.39% |
| Net Interest Margin (NIM) | 3.64% | 3.26% |
| Yield on Earning Assets | 6.07% | 4.96% |
| Cost of Funds | 2.64% | 3.34% |
Asset quality
| Metric | First Central Savings Bank | BTG Pactual Bank, N.A. |
|---|---|---|
| Texas Ratio | 20.35% | 0.17% |
| Non-Performing Loan Ratio | 1.79% | 0.00% |
| Non-Performing Asset Ratio | 2.13% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.67% |
| ACL / Loans | 0.88% | 1.00% |
Balance sheet
| Metric | First Central Savings Bank | BTG Pactual Bank, N.A. |
|---|---|---|
| Total Assets | $1.03B | $978.3M |
| Total Deposits | $891.0M | $460.4M |
| Total Loans | $896.0M | $446.9M |
| Total Equity | $99.5M | $458.3M |
| Net Income (quarter) | $2.3M | ($452K) |
Liquidity & funding
| Metric | First Central Savings Bank | BTG Pactual Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 100.57% | 97.08% |
| Core Deposit Ratio | 81.01% | 74.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Central Savings Bank | BTG Pactual Bank, N.A. |
|---|---|---|
| Headquarters City | Glen Cove | New York |
| Headquarters State | NY | NY |
| Asset Tier | $1B to $10B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 10 | 1 |
| Employees (FTE) | 107 | 60 |
| Established | April 5, 1999 | June 5, 2000 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full First Central Savings Bank profile | View full BTG Pactual Bank, N.A. profile | Browse all bank comparisons