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Overview / Commentary
79-21 Metropolitan Avenue
Middle Village, NY 11379

Since 1888, when Cross County Federal Savings Bank was first founded, customer satisfaction has been the driving force behind all they do. It is the foundation upon which Cross County Federal Savings Bank was built, and remains who they are today.

Respecting the individual financial goal of their customers, by way of providing products and services customized to suit those needs, awards them with leadership in the communities they service; communities they are proud to serve and be a part of.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Cross County Savings Bank had $2.45 million in non-current loans and owned real-estate with $39.66 million in equity and loan loss allowances on hand to cover it. This gives Cross County Savings Bank a Texas Ratio of 6.18% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cross County Savings Bank experienced no significant changes from 4.51% as of December 31, 2012 to 6.18% as of December 31, 2013, resulting in a negative change of 37.10%. This indicates that the balance sheet and financial strength for Cross County Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Cross County Savings Bank has decreased its total deposits by -$14.61 million, resulting in -3.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Cross County Savings Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Cross County Savings Bank has $400.27 million in assets with $39.66 million in equity, resulting in a capitalization level of 9.91%, which is above average.

Institution Statistics

FDIC Certificate #30260
Year Established1888
Primary RegulatorFDIC
Assets and Liabilities
Assets$400.27 million
Loans$258.41 million
Deposits$359.61 million
Equity Capital$38.31 million
Loan Loss Allowance$1.35 million
Unbacked Noncurrent Loans$2.11 million
Real Estate Owned$341,000
Historic Data - December 2012
Assets$415.73 million
Equity Capital$38.16 million
Loan Loss Allowance$1.40 million
Unbacked Noncurrent Loans$2.11 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.67%
Return on Assets0.6%
Return on Equity6.46%
Interest Income$15.07 million

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Cross County Savings Bank Savings Account Rates

0.20%--Holiday Club

Cross County Savings Bank Money Market Rates

0.50%$15k-Platinum Money Market
0.30%$75k-Money Market Account

Cross County Savings Bank Checking Account Rates

0.40%$7,500-Preferred Checking
0.05%--Interest Checking

Cross County Savings Bank CD Rates

1.40%$500-60 Month CD
1.00%$500-48 Month CD
0.95%$500-36 Month CD
0.85%$500-30 Month CD
0.75%$500-24 Month CD
0.60%$500-18 Month CD
0.40%$500-12 Month CD
0.40%$500-14 Month CD
0.25%$500-6 Month CD
0.25%$500-7 Month CD
0.25%$500-8 Month CD
0.25%$500-9 Month CD
0.25%$500-10 Month CD
0.20%$500-3 Month CD

Cross County Savings Bank IRA Rates

1.40%$500-60 Month IRA
1.00%$500-48 Month IRA
0.95%$500-36 Month IRA
0.85%$500-30 Month IRA
0.75%$500-24 Month IRA
0.60%$500-18 Month IRA
0.40%$500-12 Month IRA
0.40%$500-14 Month IRA
0.25%$500-6 Month IRA
0.25%$500-7 Month IRA
0.25%$500-8 Month IRA
0.25%$500-9 Month IRA
0.25%$500-10 Month IRA
0.20%$500-3 Month IRA
0.13%$100-18 Month Variable Rate IRA

Cross County Savings Bank Locations
Bedford Branch175 Bedford AvenueBrooklyn, NY 11211
Belle Harbor Branch455 Beach 129th StreetBelle Harbor, NY 11694
Maspeth Branch60-20 Fresh Pond RoadMaspeth, NY 11378
Kings Branch731 Metropolitan Ave.Brooklyn, NY 11211
Cross County Savings Bank79-21 Metropolitan AvenueMiddle Village, NY 11379
Van Nest Branch791 Morris Park AveBronx, NY 10462
Eliot Branch80-10 Eliot AvenueMiddle Village, NY 11379