BlastPoint's Banking Scorecard

First Central Savings Bank

$100M-$1B Specialty: Commercial NY FDIC cert 34969

Glen Cove, NY

10 branches across NY

2664 banks in the $100M-$1B peer group nationally 51 in 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

- Liquidity Strain: Bottom 27.5% in tier
- Capital Constraint: Bottom 77.8% in tier
- ROA 0.24% below tier average
- Net Interest Margin 0.37% below tier average
- Efficiency Ratio 2.59% above tier average
- Delinquency Rate 0.37% above tier average

Get updates when First Central Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$960.1M -2.4% YoY -1.0% QoQ	+$574.1M	$386.1M +0.5% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	Top 1.2% in tier
Total Loans ?	$853.6M -2.4% YoY +1.6% QoQ	+$597.9M	$255.7M +1.1% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	Top 0.1% in tier
Total Deposits ?	$827.3M -3.4% YoY -1.1% QoQ	+$499.3M	$328.0M +0.1% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	Top 1.5% in tier
Return on Assets ?	1.03% +40.1% YoY +14.7% QoQ	-0.24%	1.27% +12.9% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	3.56% +13.6% YoY +7.0% QoQ	-0.37%	3.93% +6.0% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	67.88% -9.4% YoY +1.4% QoQ	+2.59%	65.29% -4.5% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	1.26% -30.7% YoY -27.8% QoQ	+0.37%	0.89% +18.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	103.19% +1.0% YoY +2.8% QoQ	+26.55%	76.64% +0.8% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	Bottom 6.1% in tier
Non-Interest-Bearing Deposit Share ?	19.32% +13.8% YoY +11.3% QoQ	-2.70%	22.02% -1.0% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	1.12% -30.8% YoY -25.9% QoQ	+0.48%	0.64% +19.7% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	14.61% +9.2% YoY +1.2% QoQ	-1.22%	15.83% +1.5% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.22% +9.2% YoY -78.7% QoQ	-0.06%	0.28% +9.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	Top 11.2% in tier

Get Full Access to First Central Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Liquidity Strain

risk

#178 of 643 • Bottom 27.5% 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: 103.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#85 of 108 • Bottom 77.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 103.19%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.61%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $853.63M

Peer Median: $255.72M

#2 of 2664 Top 0.1% in $100M-$1B

Total Assets

size

Value: $960.14M

Peer Median: $386.08M

#33 of 2664 Top 1.2% in $100M-$1B

Total Deposits

size

Value: $827.27M

Peer Median: $327.97M

#42 of 2664 Top 1.5% in $100M-$1B

299

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#299 of 2664 Top 11.2% in $100M-$1B

Top Weaknesses (3 metrics)

2503

Loan-to-Deposit Ratio

liquidity

Value: 103.19%

Peer Median: 76.64%

#2503 of 2664 Bottom 6.1% in $100M-$1B

2210

Nonperforming Asset Ratio

credit_quality

Value: 1.12%

Peer Median: 0.64%

#2210 of 2664 Bottom 17.1% in $100M-$1B

2046

Delinquency Rate

credit_quality

Value: 1.26%

Peer Median: 0.89%

#2046 of 2654 Bottom 22.9% in $100M-$1B