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.
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.
Overall | |
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FDIC Certificate # | 34969 |
Year Established | 1999 |
Employees | 97 |
Primary Regulator | FDIC |
Profit Margin | |
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Return on Assets - YTD | 0.45% |
Return on Equity - YTD | 5.14% |
Annual Interest Income | $44MM |
Assets and Liabilities | ||
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Assets | Q3 2024vs Q3 2023 | $987.9MM$953.6MM |
Loans | Q3 2024vs Q3 2023 | $873.8MM$814.3MM |
Deposits | Q3 2024vs Q3 2023 | $857.7MM$838.4MM |
Equity Capital | Q3 2024vs Q3 2023 | $87.9MM$81.7MM |
Loan Loss Allowance | Q3 2024vs Q3 2023 | $8.9MM$8.2MM |
Unbacked Noncurrent Loans | Q3 2024vs Q3 2023 | $4.9MM$4.2MM |
Real Estate Owned | Q3 2024vs Q3 2023 | $0$0 |
Rates for First Central Savings Bank are currently being reviewed.
Astoria Branches | ||
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Astoria Branch | 35-01 30th Avenue | Astoria, NY 11103 |
Ditmars Branch | 37-28 Ditmars Boulevard | Astoria, NY 11105 |
Bayside Branches | ||
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Bell Boulevard Branch | 42-12 Bell Boulevard | Bayside, NY 11361 |
Flushing Branches | ||
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Main Street Branch | 72-76 Main Street | Flushing, NY 11367 |
Forest Hills Branches | ||
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Forest Hills Branch | 71-66 Austin Street | Forest Hills, NY 11375 |
Glen Cove Branches | ||
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First Central Savings Bank | 70 Glen St | Glen Cove, NY 11542 |
Glen Cove Branch | 70 Glen Street | Glen Cove, NY 11542 |
Lynbrook Branches | ||
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Lynbrook Branch | 303 Merrick Rd | Lynbrook, NY 11563 |
Ridgewood Branches | ||
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Ridgewood Branch | 58-02 Myrtle Avenue | Ridgewood, NY 11385 |
Whitestone Branches | ||
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Whitestone Branch | 19-19 Francis Lewis Blvd | Whitestone, NY 11357 |