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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 $0.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $721.0M19%Noninterest $170.0MQ2 2025Q2 2026

NIM

6.01%Q2 ’245.96%Q2 ’255.88%Q2 ’26+17%+10%

Non-interest income vs. expense

2.59%Q2 ’242.80%Q2 ’252.91%Q2 ’26-11%+18%

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 0.93%, up 29 bps year over year; NIM at 3.52%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.93%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+32 bps YoY

Efficiency Ratio (quarter, annualized)

68.90%+106 bps YoY

Tier 1 Leverage Ratio

10.30%+66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%1.13%1.07%1.03%0.93%+29 bps
Return on Equity6.96%12.03%11.04%10.32%9.35%+239 bps
Net Interest Margin3.21%3.24%3.20%3.38%3.52%+32 bps
Efficiency Ratio67.84%64.57%61.90%67.88%68.90%+106 bps
Non-Interest Burden1.88%1.74%1.46%2.01%2.21%+33 bps
Growth
Asset Growth (YoY)0.08%0.49%0.54%-2.39%3.92%+384 bps
Loan Growth (YoY)1.95%-1.06%-0.70%-2.61%2.36%+41 bps
Deposit Growth (YoY)-1.68%0.34%0.37%-3.44%3.72%+541 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.96%1.73%1.25%1.19%+18 bps
Net Charge-Offs / Loans0.52%0.00%1.51%-0.01%-0.01%-53 bps
Allowance / Loans1.05%1.07%0.85%0.87%0.88%-17 bps
Allowance Coverage of NPLs1.0x1.1x0.5x0.7x0.7x-0.3x
Capital
Tier 1 Leverage Ratio9.64%9.86%9.86%10.31%10.30%+66 bps
Total Risk-Based Capital15.11%15.39%15.56%15.75%15.47%+36 bps
Equity / Assets9.27%9.55%9.79%10.15%9.70%+43 bps
Liquidity & Funding
Loans / Deposits101.91%101.48%101.24%104.09%100.57%-134 bps
Liquid Assets / Assets4.61%5.42%5.81%3.40%5.68%+108 bps
CRE / Total Capitaln/a326%322%320%n/an/a