First Central Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Central Savings Bank of Glen Cove, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.92% | 1.46% | -0.54% | 25th below |
| ROAE | 9.35% | 12.72% | -3.37% | 28th below |
| Net Interest Margin | 3.64% | 3.85% | -0.21% | 45th below |
| Efficiency Ratio | 68.90% | 57.40% | +11.50% | 23rd bottom |
| PPNR / Avg Assets | 1.32% | 1.88% | -0.56% | 28th below |
| Yield on Earning Assets | 6.07% | 5.72% | +0.35% | 78th top |
| Cost of Funds | 2.64% | 2.02% | +0.62% | 17th bottom |
| Net Interest Spread | 2.81% | 3.18% | -0.37% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.79% | 1.00% | +0.79% | 13th bottom |
| NPA / Total Assets | 2.13% | 0.76% | +1.37% | 7th bottom |
| NCO / Avg Loans | -0.01% | 0.43% | -0.44% | 90th top |
| ACL / Total Loans | 0.88% | 1.31% | -0.43% | 18th bottom |
| ACL / NPLs (Coverage) | 49.44% | 543.55% | -494.11% | 9th bottom |
| Texas Ratio | 20.35% | 7.38% | +12.97% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.32% | 17.34% | -3.02% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.32% | 17.37% | -3.05% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.47% | 18.42% | -2.95% | 63rd above |
| Leverage Ratio | 10.30% | 11.44% | -1.14% | 45th below |
| Equity / Assets | 9.70% | 11.34% | -1.64% | 36th below |
| TCE / Tangible Assets | 9.70% | 10.50% | -0.80% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.57% | 86.95% | +13.62% | 16th bottom |
| Core Deposit Ratio | 81.01% | 85.56% | -4.55% | 22nd bottom |
| Wholesale Funding Ratio | 2.44% | 5.71% | -3.27% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.92% | 9.68% | -5.76% | 41st below |
| Loan Growth (Y/Y) | 2.36% | 8.06% | -5.70% | 30th below |
| Deposit Growth (Y/Y) | 3.72% | 7.87% | -4.15% | 42nd below |
See First Central Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Central Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Central Savings Bank profile, how to read a UBPR, or how this data updates.