🏦Bank Scorer

FIRST CENTRAL SAVINGS BANK

GLEN COVE, NY · Supervised by FDIC

Est. 1999FDIC #34,969RSSD: FDIC-34969
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.03%

Institution Profile

FDIC BankFind

Address

70 Glen St, GLEN COVE, NY

County

Nassau County

Established

April 5, 1999

Total Assets

$960M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$960M

Total Deposits

$827M

Net Loans

$854M

Net Income

$2M

ROA

1.03%

ROE

10.32%

Risk-Based Capital

15.75%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.30%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$859M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202469787.8%3.30%
202361583.09%4.39%
202298782.17%3.95%
202153088.68%5.85%
202040686.45%7.64%
201922286.04%9.91%
201817885.39%3.93%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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