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

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

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.93%	0.65%	1.00%	1.72%	Beats 44%	20 / 36
Return on Equity	9.62%	5.35%	9.30%	13.56%	Beats 51%	17 / 35
Net Interest Margin	3.42%	2.66%	3.13%	3.63%	Beats 58%	15 / 36
Efficiency Ratio	68.39%	52.19%	63.09%	75.14%	Beats 40%	22 / 35
Asset Quality
Nonperforming Loans / Loans	1.19%	0.46%	0.84%	1.59%	Beats 36%	24 / 36
Net Charge-Offs / Loans	0.00%	n/a	0.03%	0.14%	Beats 100%	11 / 36
Capital
Tier 1 Capital Ratio	14.32%	13.13%	14.78%	18.34%	Beats 44%	20 / 36
Total Risk-Based Capital Ratio	15.47%	13.73%	15.96%	19.27%	Beats 42%	21 / 36
Equity / Assets	9.70%	9.80%	11.58%	14.82%	Beats 22%	28 / 36
Liquidity & Funding
Loans / Deposits	100.57%	81.12%	95.13%	103.24%	67th pctl	12 / 36
Loans / Assets	87.38%	67.44%	76.31%	84.79%	86th pctl	5 / 36
Brokered Deposits / Deposits	n/a	Not reported for this institution