First Central Savings Bank

Overview / Commentary
70 Glen Street
Glen Cove, NY 11542

Since April 5th, 1999, First Central Savings Bank has grown from a simple concept to what they are today, a vibrant thriving community bank of which all can be proud. The Bank’s goal was and still is to fill a void in the big bank mentality, by providing good old-fashioned personal service with a smile, a throw-back to the days of hospitality and good manners that we were all raised on, something which almost does not exist anymore in banking.

Reviews (1)

Registration For Online CD Requires In-Person Visit

First Central Savings Bank is a work in progress. I was attracted by their new 24m CD rate. After poking around their (very colorful) website, I called 866-400-8674. A real person eventually picked up and politely told me to call any of the branches listed. I did. The branch representative advised me that their online capability to open a CD was not yet available. He said I must visit a branch to register a new account. That's a 1000 mile round trip for me. Their rate wasn't THAT good.


Health Grade Components

FDIC Certificate #34969
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD13.04%
Annual Interest Income$30.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$763.8MM$686.6MM
LoansQ4 2021vs Q4 2020$639.1MM$583.4MM
DepositsQ4 2021vs Q4 2020$644.0MM$598.1MM
Equity CapitalQ4 2021vs Q4 2020$72.4MM$62.4MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.5MM$5.3MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$577.00K$1.8MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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First Central Savings Bank Savings Account Rates

0.80%$100k-Premier Statement Savings Account

First Central Savings Bank CD Rates

2.12%$500-60 Month CD (In-Branch)
2.12%$500-84 Month CD (In-Branch)
2.12%$500-60 Month eCD (Online Only)
1.97%$500-36 Month CD (In-Branch)
1.97%$500-48 Month CD (In-Branch)
1.97%$500-36 Month eCD (Online Only)
1.87%$500-24 Month CD (In-Branch)
1.87%$500-30 Month CD (In-Branch)
1.87%$500-24 Month eCD (Online Only)
1.87%$500-30 Month eCD (Online Only)
1.41%$500-22 Month CD (In-Branch)
1.36%$500-18 Month CD (In-Branch)
1.36%$500-18 Month eCD (Online Only)
1.21%$500-17 Month CD (In-Branch)
1.21%$500-17 Month eCD (Online Only)
1.11%$500-12 Month CD (In-Branch)
1.11%$500-14 Month CD (In-Branch)
1.11%$500-12 Month eCD (Online Only)
0.85%$500-6 Month CD (In-Branch)
0.85%$500-9 Month CD (In-Branch)
0.85%$500-10 Month CD (In-Branch)
0.85%$500-7 Month CD (In-Branch)
0.50%$500-3 Month CD (In-Branch)

First Central Savings Bank Locations
Whitestone Branch19-19 Francis Lewis BlvdWhitestone, NY 11357
Astoria Branch35-01 30th AvenueAstoria, NY 11103
Ditmars Branch37-28 Ditmars BoulevardAstoria, NY 11105
Bell Boulevard Branch42-12 Bell BoulevardBayside, NY 11361
Ridgewood Branch58-02 Myrtle AvenueRidgewood, NY 11385
First Central Savings Bank70 Glen StreetGlen Cove, NY 11542
Forest Hills Branch71-66 Austin StreetForest Hills, NY 11375
Main Street Branch72-76 Main StreetFlushing, NY 11367

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