TellerScore

First Central Savings Bank (FDIC certificate #34969) is based in Glen Cove, New York. Its Q2 2026 call report shows $1.0B in total assets and $891.0M in deposits and 10 offices.

First Central Savings Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 84th. Problem-loan coverage contributes the most (69/100, 15.3%); funding & liquidity contributes the least (47/100, 100% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.30%
Loan quality60/100
Noncurrent loans ÷ total loans: 1.19%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 99.7% · 27.5% uninsured
Problem-loan coverage69/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.33%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 57).

TellerScore
485459Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202458
Q4 202451
Q1 202548
Q2 202556
Q3 202559
Q4 202551
Q1 202658
Q2 202657
Tier 1 leverage ratio
5.00%7.65%10.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.16%
Q3 20249.26%
Q4 20249.36%
Q1 20259.62%
Q2 20259.64%
Q3 20259.86%
Q4 20259.86%
Q1 202610.31%
Q2 202610.30%
Noncurrent loans
0.55%1.18%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.75%
Q3 20240.55%
Q4 20241.37%
Q1 20251.80%
Q2 20251.00%
Q3 20250.96%
Q4 20251.73%
Q1 20261.25%
Q2 20261.19%
Return on assets
0.45%0.74%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.49%
Q3 20240.45%
Q4 20240.55%
Q1 20250.73%
Q2 20250.69%
Q3 20250.84%
Q4 20250.90%
Q1 20261.03%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$1.0B10.30%1.19%0.97%99.7%
Q1 202658$960.1M10.31%1.25%1.03%103.2%
Q4 202551$970.1M9.86%1.73%0.90%100.4%
Q3 202559$992.8M9.86%0.96%0.84%100.4%
Q2 202556$986.7M9.64%1.00%0.69%100.8%
Q1 202548$983.6M9.62%1.80%0.73%102.1%
Q4 202451$964.9M9.36%1.37%0.55%101.3%
Q3 202458$987.9M9.26%0.55%0.45%101.9%
Q2 202456$986.0M9.16%0.75%0.49%97.3%

897 peers · $1 billion – $10 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 ratio10.30%
45th
Total risk-based capital15.47%
72nd
Problem loans1.19%
22nd
Net charge-offs-0.01%
92nd
Return on assets0.97%
29th
Net interest margin3.61%
43rd
Efficiency ratio68.4%
24th
Loans to deposits99.7%
15th
Uninsured deposits27.5%
60th
Loan-loss reserves0.88%
19th
Texas ratio15.3%
7th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Walden Savings BankBank Montgomery, NY62 out of 100, Moderate$1.0B10.2%1.05%vs
Amerasia BankBank Flushing, NY78 out of 100, Strong$1.1B15.1%1.59%vs
Solvay BankBank Solvay, NY67 out of 100, Moderate$1.2B9.5%0.11%vs
Genesee Regional BankBank Rochester, NY72 out of 100, Strong$1.3B11.0%0.59%vs
Greene County Commercial BankBank Catskill, NY73 out of 100, Strong$1.3B10.1%0.00%vs
Ballston Spa National BankBank Ballston Spa, NY55 out of 100, Moderate$1.4B8.7%0.23%vs

Deposit insurance

Is my money safe at First Central Savings Bank?

Yes. First Central Savings Bank is an FDIC-insured institution (FDIC certificate #34969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.5% of deposits ($245.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.47% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

First Central Savings Bank lists 10 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Central Savings Bank reported 557 home-loan applications under HMDA (LEI 549300F1COXL6UBFCP55): 519 originated ($334,905,000 total), 6 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.1%, 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
First Central Savings Bank
Type
SI
FDIC certificate #
34969
RSSD ID
2797359
Primary regulator
FDIC
Holding company
First Central Bcorp Inc
Established
April 5, 1999
Headquarters
70 Glen St, Glen Cove, NY 11542
Employees
107

Quick answers

First Central Savings Bank: common questions

Is First Central Savings Bank FDIC insured?

Yes. First Central Savings Bank is an FDIC-insured institution (FDIC certificate #34969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Central Savings Bank's TellerScore?

57 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 First Central Savings Bank ever failed?

There is no failure record for FDIC certificate #34969 in the FDIC failed bank list.

How many branches does First Central Savings Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Glen Cove

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs