First Central Savings Bank (FDIC #34969): Bank Stress & Real-Estate Credit Exposure
First Central Savings Bank (FDIC Cert #34969): bank stress 72/100, elevated, STABLE over 7 days; parent FIRST CENTRAL BCORP INC.
First Central Savings Bank (#34969) lends in 3 counties across 1 state; First Central Savings Bank (#34969) reaches 243 ZIP codes: New York 3 counties, 243 ZIPs.
First Central Savings Bank (#34969) largest markets: Suffolk County, NY (109 branches, 109 ZIPs) (#34969), Nassau County, NY (210 branches, 70 ZIPs) (#34969), Queens County, NY (408 branches, 68 ZIPs) (#34969).
First Central Savings Bank (#34969) reports $1.03 billion in total assets; First Central Savings Bank (#34969) equity $99.5 million (9.7% of First Central Savings Bank (#34969) assets); First Central Savings Bank (#34969) domestic deposits $891.0 million; First Central Savings Bank (#34969) net income $4.8 million; First Central Savings Bank (#34969) return on assets 0.97%; First Central Savings Bank (#34969) return on equity 9.83%; First Central Savings Bank (#34969) net interest income $17.0 million; First Central Savings Bank (#34969) call report June 30, 2026.
First Central Savings Bank (#34969) noncurrent real-estate loans: none reported; First Central Savings Bank (#34969) residential -0.01%; First Central Savings Bank (#34969) net charge-offs on real estate 1.02%; First Central Savings Bank (#34969) residential charge-offs 0.07%.
First Central Savings Bank (#34969) net interest margin 3.61% against an eight-quarter First Central Savings Bank (#34969) average of 3.24% (First Central Savings Bank (#34969) compression -0.36 points); First Central Savings Bank (#34969) non-residential real estate 7.3% of equity; First Central Savings Bank (#34969) rate-exposure score 40/100, First Central Savings Bank (#34969) fixed-rate trap 40/100; First Central Savings Bank (#34969) risk type credit driven; First Central Savings Bank (#34969) rate regime rates elevated, First Central Savings Bank (#34969) snapshot October 20, 2026.
First Central Savings Bank (#34969) stress score moved from 67.9 on June 22, 2026 to 72.2 on October 20, 2026; First Central Savings Bank (#34969) ranged 67.9 to 72.2 over 117 snapshots.
First Central Savings Bank (#34969) alerts: 3 counties; top First Central Savings Bank (#34969) alert scores: Huntington County, NY 25 (low); Lynbrook County, NY 25 (low); Whitestone County, NY 25 (low).