2. First Central Savings Bank

First Central Savings Bank


Overview / Commentary
www.firstcentralsavings.com
516-609-3500
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.

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Health
B

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #34969
Year Established1999
Employees82
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD5.33%
Annual Interest Income$14.5MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$608.6MM$610.5MM
LoansQ2 2019vs Q2 2018$493.2MM$490.6MM
DepositsQ2 2019vs Q2 2018$538.8MM$541.3MM
Equity CapitalQ2 2019vs Q2 2018$57.2MM$55.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$6.1MM$11.7MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$7.1MM$853.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Central Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$250-First Link Accounts w/ $1,000 minimum Checking Balance
1.60%$250-Business First Link Accounts w/ $1,000 minimum Checking Balance
1.50%*$150k*-Smart Consumer Money Market
OTHER TIERS: 1.00% → $2.5k - $150k
1.50%*$150k*-Smart Business Money Market
OTHER TIERS: 1.00% → $2.5k - $1.5m
1.10%*$50k*-E-Premier Money Market (Online Only)
OTHER TIERS: 0.35% → $10k - $25k | 0.55% → $25k - $50k

First Central Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$500-36 Month E-Certificate of Deposit (Online Only)
2.00%$500-60 Month E-Certificate of Deposit (Online Only)
1.85%$500-12 Month E-Certificate of Deposit (Online Only)
1.70%$500-24 Month E-Certificate of Deposit (Online Only)
1.70%$500-30 Month E-Certificate of Deposit (Online Only)
Locations


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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