BlastPoint's Banking Scorecard
First Central Savings Bank
Community
Specialty: Commercial
NY
FDIC cert 34969
Glen Cove, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
First Central Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 23% in Community
- - Flatlined Growth: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$970.1M
+0.5% YoY
-2.3% QoQ
|
-$421.3M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$839.9M
-0.5% YoY
-2.8% QoQ
|
-$135.6M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$836.7M
+0.4% YoY
-2.8% QoQ
|
-$327.9M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.90%
+64.3% YoY
+7.1% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.33%
+14.7% YoY
+0.9% QoQ
|
-0.34% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
66.97%
-13.5% YoY
-2.8% QoQ
|
+4.34% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
1.75%
+26.8% YoY
+80.8% QoQ
|
+1.12% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
100.38%
-0.9% YoY
-0.0% QoQ
|
+17.32% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.36%
+11.6% YoY
+7.6% QoQ
|
-3.68% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
1.51%
+25.4% YoY
+79.8% QoQ
|
+1.02% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
14.44%
+7.6% YoY
+2.1% QoQ
|
+4.20% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.05%
+35.2% YoY
+53.4% QoQ
|
+0.31% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#120 of 513 · Bottom 23% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.38%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#83 of 245 · Bottom 34% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.90%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.44% · Tier avg: 10.24%
60
60th pctile
Total Loans
Current: $839.9M · Tier avg: $975.5M
50
50th pctile
Total Deposits
Current: $836.7M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $970.1M · Tier avg: $1.4B
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.36% · Tier avg: 21.05%
35
35th pctile
Efficiency Ratio
Current: 66.97% · Tier avg: 62.63%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.38% · Tier avg: 83.06%
12
12th pctile
Delinquency Rate
Current: 1.75% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.50%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.75% · Tier avg: 0.63%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.38% · Tier avg: 83.06%
31
31th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.16%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
35
35th pctile
Efficiency Ratio
Current: 66.97% · Tier avg: 62.63%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.36% · Tier avg: 21.05%
48
48th pctile
Total Assets
Current: $970.1M · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $836.7M · Tier avg: $1.2B
60
60th pctile
Total Loans
Current: $839.9M · Tier avg: $975.5M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.44% · Tier avg: 10.24%
87
87th pctile
Non-Interest Income / Assets
Current: 1.05% · Tier avg: 0.74%