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First Central Savings Bank

Glen Cove, NY · Cert 34969

SI · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

68

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

40

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Central Savings Bank

Glen Cove, NY · Cert 34969

SI · FDIC · 10 branches

Q2 2026

$1.0BAssets
$896.0MLoans
$891.0MDeposits
$99.5MEquity
Loan mix
97%RE $838.9M3%C&I $22.2M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $721.0M19%Noninterest $170.0MQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #78 of 151 inst. · $0.9B of $2921.1B

0.7% Queens
0.3% Nassau
0.1% Suffolk

Executive Summary

  • Earnings: ROA of 0.97%, up 28 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 1.19% of loans (+18 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.30%, up 66 bps from a year ago.
  • Funding: loans stand at 100.57% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.97%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+33 bps YoY

Efficiency Ratio (YTD, annualized)

68.39%-282 bps YoY

Tier 1 Leverage Ratio

10.30%+66 bps YoY

NIM

5.87%Q2 ’245.87%Q2 ’255.78%Q2 ’26+14%+11%

Non-interest income vs. expense

2.60%Q2 ’242.82%Q2 ’252.87%Q2 ’26-4%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.55%0.73%0.69%0.84%0.90%1.03%0.97%+28 bps
Return on Equity5.14%6.18%8.07%7.51%9.05%9.58%10.32%9.83%+232 bps
Net Interest Margin2.71%2.75%3.00%3.08%3.12%3.14%3.38%3.41%+33 bps
Efficiency Ratio78.74%77.45%74.90%71.21%68.88%66.97%67.88%68.39%-282 bps
Non-Interest Burden2.00%1.96%2.04%1.94%1.87%1.77%2.01%2.09%+14 bps
Growth
Asset Growth (YoY)3.60%0.14%2.21%0.08%0.49%0.54%-2.39%3.92%+384 bps
Loan Growth (YoY)7.32%2.12%5.64%1.95%-1.06%-0.70%-2.61%2.36%+41 bps
Deposit Growth (YoY)2.30%1.54%0.64%-1.68%0.34%0.37%-3.44%3.72%+541 bps
Asset Quality
Nonperforming Loans / Loans0.55%1.37%1.80%1.00%0.96%1.73%1.25%1.19%+18 bps
Net Charge-Offs / Loans0.11%0.08%-0.04%0.24%0.16%0.50%-0.01%-0.01%-25 bps
Allowance / Loans1.01%1.03%1.03%1.05%1.07%0.85%0.87%0.88%-17 bps
Allowance Coverage of NPLs1.8x0.8x0.6x1.0x1.1x0.5x0.7x0.7x-0.3x
Capital
Tier 1 Leverage Ratio9.26%9.36%9.62%9.64%9.86%9.86%10.31%10.30%+66 bps
Total Risk-Based Capital14.45%14.67%14.63%15.11%15.39%15.56%15.75%15.47%+36 bps
Equity / Assets8.89%9.05%9.14%9.27%9.55%9.79%10.15%9.70%+43 bps
Liquidity & Funding
Loans / Deposits102.91%102.34%103.20%101.91%101.48%101.24%104.09%100.57%-134 bps
Liquid Assets / Assets3.55%4.59%3.26%4.61%5.42%5.81%3.40%5.68%+108 bps
CRE / Total Capitaln/an/an/an/a326%322%320%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Central Savings Bank

Glen Cove, NY · Cert 34969 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36)

SI · FDIC · 10 branches

Q2 2026

$1.0BAssets
$896.0MLoans
$891.0MDeposits
$99.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 11 of 36).
  • Widest gap: equity / assets trails 78% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 28 of 36).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.93%

Rank 20 of 36

Net Interest Margin

3.42%

Rank 15 of 36

Efficiency Ratio

68.39%

Rank 22 of 35

Equity / Assets

9.70%

Rank 28 of 36

Non-interest income vs. expense

$7.8M$28.6MINCOMEEXPENSE
Unfavorable gap of $20.8M · efficiency ratio beats 40% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.93%0.65%1.00%1.72%Beats 44%20 / 36n/a
Return on Equity9.62%5.35%9.30%13.56%Beats 51%17 / 35n/a
Net Interest Margin3.42%2.66%3.13%3.63%Beats 58%15 / 36n/a
Efficiency Ratio68.39%52.19%63.09%75.14%Beats 40%22 / 35n/a
Asset Quality
Nonperforming Loans / Loans1.19%0.46%0.84%1.59%Beats 36%24 / 36n/a
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36n/a
Capital
Tier 1 Capital Ratio14.32%13.13%14.78%18.34%Beats 44%20 / 36n/a
Total Risk-Based Capital Ratio15.47%13.73%15.96%19.27%Beats 42%21 / 36n/a
Equity / Assets9.70%9.80%11.58%14.82%Beats 22%28 / 36n/a
Liquidity & Funding
Loans / Deposits100.57%81.12%95.13%103.24%67th pctl12 / 36n/a
Loans / Assets87.38%67.44%76.31%84.79%86th pctl5 / 36n/a
Brokered Deposits / Depositsn/aNot reported for this institution