TellerScore

Headquartered in Middle Village, New York, Cross County Savings Bank is a si with $525.4M in total assets and $446.5M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1888.

Cross County Savings Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 121 banks headquartered in New York, it ranks 86th. Capital cushion contributes the most (78/100, 12.84%); loan quality contributes the least (26/100, 2.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.84%
Loan quality26/100
Noncurrent loans ÷ total loans: 2.21%
Earnings38/100
Return on assets (annualized): 0.46%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 87.8% · 16.4% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (66 → 56), mostly because the loan quality component weakened by 46 points.

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202463
Q4 202466
Q1 202567
Q2 202566
Q3 202568
Q4 202566
Q1 202665
Q2 202656
Tier 1 leverage ratio
5.00%8.92%12.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.67%
Q3 202411.70%
Q4 202411.69%
Q1 202512.00%
Q2 202512.17%
Q3 202512.53%
Q4 202512.73%
Q1 202612.65%
Q2 202612.84%
Noncurrent loans
0.64%1.42%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.65%
Q3 20240.97%
Q4 20240.70%
Q1 20250.64%
Q2 20250.85%
Q3 20250.85%
Q4 20251.08%
Q1 20261.11%
Q2 20262.21%
Return on assets
0.36%0.45%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.36%
Q4 20240.39%
Q1 20250.37%
Q2 20250.41%
Q3 20250.54%
Q4 20250.53%
Q1 20260.41%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$525.4M12.84%2.21%0.46%87.8%
Q1 202665$538.2M12.65%1.11%0.41%87.0%
Q4 202566$529.9M12.73%1.08%0.53%88.5%
Q3 202568$524.3M12.53%0.85%0.54%88.3%
Q2 202566$532.0M12.17%0.85%0.41%87.3%
Q1 202567$536.3M12.00%0.64%0.37%88.0%
Q4 202466$536.3M11.69%0.70%0.39%88.5%
Q3 202463$538.0M11.70%0.97%0.36%89.7%
Q2 202466$538.7M11.67%0.65%0.37%89.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.84%
74th
Total risk-based capital21.45%
89th
Problem loans2.21%
11th
Net charge-offs0.00%
54th
Return on assets0.46%
11th
Net interest margin3.94%
50th
Efficiency ratio84.7%
9th
Loans to deposits87.8%
31st
Uninsured deposits16.4%
78th
Loan-loss reserves0.52%
3rd
Texas ratio12.5%
13th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
The Berkshire BankBank New York, NY55 out of 100, Moderate$530.0M24.2%12.68%vs
Rondout Savings BankBank Kingston, NY64 out of 100, Moderate$512.0M9.8%0.19%vs
Piermont BankBank New York, NY62 out of 100, Moderate$505.1M12.7%0.00%vs
Champlain National BankBank Elizabethtown, NY71 out of 100, Strong$497.1M10.9%0.25%vs
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Wallkill Valley Federal Savings and Loan AssociationBank Wallkill, NY68 out of 100, Moderate$485.0M9.2%0.00%vs

Deposit insurance

Is my money safe at Cross County Savings Bank?

Yes. Cross County Savings Bank is an FDIC-insured institution (FDIC certificate #30260). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.4% of deposits ($73.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.45% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Cross County Savings Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cross County Savings Bank reported 29 home-loan applications under HMDA (LEI 2549005O94DAZVV0P036): 21 originated ($20,335,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cross County Savings Bank
Former names
Cross County Federal Savings Bank; Cross County Federal Savings and Loan Association
Type
SI
FDIC certificate #
30260
RSSD ID
1007873
Primary regulator
FDIC
Established
January 1, 1888
Headquarters
7921 Metropolitan Ave, Middle Village, NY 11379
Employees
63

Quick answers

Cross County Savings Bank: common questions

Is Cross County Savings Bank FDIC insured?

Yes. Cross County Savings Bank is an FDIC-insured institution (FDIC certificate #30260). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cross County Savings Bank's TellerScore?

56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cross County Savings Bank ever failed?

There is no failure record for FDIC certificate #30260 in the FDIC failed bank list.

How many branches does Cross County Savings Bank have?

6 offices as of the latest FDIC data.

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