First Central Savings Bank
Glen Cove, NY
IDRSSD: 2797359
Total Assets
$970.15M
Latest filing
Total Deposits
$836.69M
Latest filing
Net Interest Margin
3.38%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
026072973GLEN COVE, NY
Key People
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Locations
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Main Office
First Central Savings Bank
70 Glen St
Glen Cove, NY 11542
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/05/1999FDIC Certificate 62143
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Central Savings Bank (Main) | 70 Glen St | Glen Cove, NY |
| ASTORIA BRANCH | 3501 30th Ave | Astoria, NY |
| BELL BOULEVARD BRANCH | 4212 Bell Blvd | Bayside, NY |
| GLEN COVE BRANCH | 70 Glen St | Glen Cove, NY |
| MAIN STREET BRANCH | 7276 Main St | Flushing, NY |
| DITMARS BRANCH | 3728 Ditmars Blvd | Astoria, NY |
| FOREST HILLS BRANCH | 7166 Austin St | Forest Hills, NY |
| WHITESTONE BRANCH | 1919 Francis Lewis Blvd | Whitestone, NY |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/05/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 11542 |
| State and County Number | 36059 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | New York-Newark-Jersey City, NY-NJ-PA |
Operational Info
| Number of Employees | 104 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/05/1999 |
| Primary Insurance Agency | DIF |
| Website | http://FIRSTCENTRALSAVINGS.COM |
| Data Updated | 01/30/2026 |
| CERT | 34969 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $970.15M |
| Total Deposits | $836.69M |
| Total Liabilities | $875.19M |
| Total Equity Capital | $94.95M |
| Net Income | $2.62M |
| Net Loans and Leases | $839.87M |
| Assets Per Employee ($Millions) | $9.24M |
| Bank Premises and Fixed Assets | $9.04M |
| Cash and Balances due from Depository Institutions | $55.94M |
| Deposits Held in Domestic Offices | $836.69M |
Key Performance Ratios
| Return on Assets (ROA) | 1.07% |
| Return on Equity (ROE) | 11.04% |
| Net Interest Margin | 3.38% |
| Efficiency Ratio | 61.9% |
| Tier 1 Risk-Based Capital Ratio | 14.44% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.42% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.788% |
| Earning Assets to total Assets | 95.88% |
Income and Expense
| Total Interest Income | $14.47M |
| Total Noninterest Income | $3.38M |
| Total Interest Expense | $6.52M |
| Total Noninterest Expense | $7.02M |
| Net Interest Income | $7.96M |
| Pre-tax Net Operating Income | $3.30M |
| Provision for Credit Losses | $1.02M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.51M |
| Total Liabilities and Capital | $970.15M |
Securities
| Securities | $31.96M |
| Available-for-sale debt securities | $28.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Central Savings Bank?
$970.15M as of the latest filing.
How much are First Central Savings Bank's total deposits?
$836.69M in total deposits.
Where is First Central Savings Bank located?
Glen Cove, NY.
What is the Net Interest Margin?
3.38%.
How many domestic offices does it operate?
10.
When was it established?
04/05/1999.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$839.87M (latest filing).
What is the total interest income (latest filing)?
$14.47M.