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First Central Savings Bank
Glen Cove, NY · FDIC Certificate #34969 · Chartered 04/0
Total assets
$1.03B
Total deposits
$890.95M
Total equity
$99.48M
Net loans
$888.09M
Branches (offices)
10
Net income (YTD)
$4.78M
Rank: #1,027 of 4,213 U.S. banks by assets · #57 of 115 in New York. Assets changed 3.9% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 9.83% |
| Net interest margin (YTD) | 3.61% |
| Equity to assets | 9.70% |
| Tier 1 leverage ratio | 10.30% |
| Uninsured deposits (share of deposits) | 27.5% |
| Noncurrent loans (share of loans) | 1.19% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 98.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $872.92M | 98.3% | |
| Commercial & industrial | $22.95M | 2.6% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $31.88M | 3.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $852.62M | $744.47M | $5.73M | $74.31M |
| Jun 2023 | $972.23M | $842.15M | $3.75M | $80.60M |
| Jun 2024 | $985.97M | $873.67M | $2.38M | $86.12M |
| Jun 2025 | $986.71M | $858.96M | $3.37M | $91.46M |
| Jun 2026 | $1.03B | $890.95M | $4.78M | $99.48M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $890.95M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $890.95M.
Similar-sized banks
Clear Fork Bank, National Association ($1.03B) · First Service Bank ($1.02B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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