2. First Central Savings Bank

First Central Savings Bank

Popular Accounts at this Bank

APYACCOUNT TYPEHOW THEY COMPARE
2.33%3-year CD
1.82% - National Average
1.09%Money Market
2.10% - American Express National Bank High Yield Savings AccountAdvertisement
2.84%5-year CD
3.10% - American Express National Bank 60 Month CDAdvertisement
View all First Central Savings Bank rates »

Overview / Commentary
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 Q3 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First Central Savings Bank has a negative return on equity.

Health Grade Components

Overall
FDIC Certificate #34969
Year Established1999
Employees80
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.51%
Return on Equity - YTD-16.17%
Annual Interest Income$18.0MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$602.7MM$603.9MM
LoansQ3 2018vs Q3 2017$451.4MM$458.7MM
DepositsQ3 2018vs Q3 2017$533.9MM$532.1MM
Equity CapitalQ3 2018vs Q3 2017$55.7MM$59.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$11.8MM$8.4MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$7.6MM$1.8MM
Real Estate OwnedQ3 2018vs Q3 2017$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
1.09%*$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
2.84%$500-60 Month E-Certificate of Deposit (Online Only)
2.53%$500-36 Month E-Certificate of Deposit (Online Only)
2.33%$500-30 Month E-Certificate of Deposit (Online Only)
1.15%$500-24 Month E-Certificate of Deposit (Online Only)
0.95%$500-12 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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