BlastPoint's Banking Scorecard

First Central Savings Bank

$1B-$10B Specialty: Commercial NY FDIC cert 34969

Designations: ✓ Community bank

Glen Cove, NY

10 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
Deposits +3.7% year over year ($891.0M on the books).
Delinquency rate 1.20%.
Return on assets 0.97%.
Efficiency ratio 68.39% vs a 59.73% peer average.
Loan-to-deposit ratio 99.68% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY

View $1B-$10B leaderboard (NY) →

First Central Savings Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.2% in tier
- Liquidity Strain: Bottom 33.8% in tier
- Nonperforming Asset Ratio 0.93% above tier average
- ROA 0.42% below tier average
- Net Interest Margin 0.26% below tier average
- Efficiency Ratio 8.67% above tier average

Get updates when First Central Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$1.0B +3.9% YoY +6.8% QoQ	-$1.8B	$2.8B -0.6% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	Bottom 2.0% in tier
Total Loans ?	$888.1M +2.5% YoY +4.0% QoQ	-$1.1B	$2.0B -0.3% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$891.0M +3.7% YoY +7.7% QoQ	-$1.4B	$2.3B -0.5% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Bottom 6.7% in tier
Return on Assets ?	0.97% +41.2% YoY -5.6% QoQ	-0.42%	1.39% +17.0% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	28%
Net Interest Margin ?	3.61% +11.0% YoY +1.3% QoQ	-0.26%	3.87% +6.2% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	68.39% -4.0% YoY +0.8% QoQ	+8.67%	59.73% -12.6% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	1.20% +18.1% YoY -5.2% QoQ	+0.33%	0.87% +11.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	23%
Loan-to-Deposit Ratio ?	99.68% -1.2% YoY -3.4% QoQ	+14.64%	85.04% -0.1% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	19.08% +19.7% YoY -1.3% QoQ	-2.20%	21.27% -1.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	1.61% +80.4% YoY +43.1% QoQ	+0.93%	0.67% +11.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 8.8% in tier
Tier 1 Capital Ratio ?	14.32% +3.3% YoY -2.0% QoQ	-0.52%	14.84% -0.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.38% -12.7% YoY +70.5% QoQ	-0.15%	0.53% +2.5% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	68%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Noninterest-Bearing	19.1% +3.1pp YoY -0.2pp QoQ	-2.3pp	21.4%	22.1%	22.2%	45%
Brokered Deposits	1.1% -1.8pp YoY -0.1pp QoQ	-8.3pp	9.5%	8.0%	8.5%	20%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	2.6% -0.1pp YoY 0.0pp QoQ	-11.4pp	14.0%	11.0%	12.5%	8%
CRE	38.0% +1.8pp YoY +0.3pp QoQ	-12.0pp	50.0%	46.2%	41.4%	21%
1-4 Family	60.3% -1.9pp YoY -0.3pp QoQ	+33.8pp	26.4%	36.6%	31.3%	95%
Consumer	n/a	n/a	4.7%	5.1%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	14.3% +0.5pp YoY -0.3pp QoQ	-1.3pp	15.6%	26.1%	19.7%	63%
Leverage Ratio	10.3% +0.7pp YoY 0.0pp QoQ	-1.0pp	11.3%	13.9%	12.6%	45%
Total Capital Ratio	15.5% +0.4pp YoY -0.3pp QoQ	-1.2pp	16.7%	27.2%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	107 +3 (+2.9%) YoY +1 (+0.9%) QoQ	-207	313	914	482	9%
Assets per Employee ($)	$9.6M +1.0% YoY +5.8% QoQ	-$899K	$10.5M	$14.8M	$8.8M	62%
Branch Count	10 0 YoY 0 QoQ	-10	20	27	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	1.2% +0.2pp YoY -0.1pp QoQ	+0.4pp	0.8%	1.3%	1.0%	79%
Allowance Coverage	0.75x -28.8% YoY +7.7% QoQ	-17.96x	18.71x	1.92x	20.23x	14%
Net Charge-off Rate (YTD)	-0.0% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	9.8% +2.3pp YoY -0.5pp QoQ	-2.8pp	12.6%	7.9%	11.6%	32%
Cost of Funds (YTD)	2.5% -0.4pp YoY -0.1pp QoQ	+0.6pp	1.9%	1.8%	1.7%	85%
Net Income ($, YTD)	$4.8M +42.2% YoY — QoQ	-$14.5M	$19.2M	$111.2M	$40.4M	10%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk

#46 of 402 • Bottom 11.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Strain

risk

#123 of 361 • Bottom 33.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.68%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

868

Total Assets

size

Value: $1.03B

Peer Median: $2.79B

#868 of 885 Bottom 2.0% in $1B-$10B

827

Total Deposits

size

Value: $890.95M

Peer Median: $2.32B

#827 of 885 Bottom 6.7% in $1B-$10B

808

Nonperforming Asset Ratio

credit_quality

Value: 1.61%

Peer Median: 0.67%

#808 of 885 Bottom 8.8% in $1B-$10B

751

Loan-to-Deposit Ratio

liquidity

Value: 99.68%

Peer Median: 85.04%

#751 of 885 Bottom 15.3% in $1B-$10B

686

Total Loans

size

Value: $888.09M

Peer Median: $1.96B

#686 of 885 Bottom 22.6% in $1B-$10B

682

Delinquency Rate

credit_quality

Value: 1.20%

Peer Median: 0.87%

#682 of 882 Bottom 22.8% in $1B-$10B

674

Efficiency Ratio

profitability

Value: 68.39%

Peer Median: 59.73%

#674 of 885 Bottom 24.0% in $1B-$10B