Bank · FDIC insured
Cross County Savings Bank
A $525.4M bank headquartered in Middle Village, NY, with 6 branches in New York. Best rates: CDs 3.55% and savings 0.25% APY.
Cross County Savings Bank Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#123 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Cross County Savings Bank
Founded in 1888 as Bushwick Savings & Loan Association of New York, Cross County Savings Bank is a mutual savings bank owned by its depositors.
Headquartered in Middle Village, New York, the bank operates six locations across Queens, Brooklyn, and the Bronx.
It was originally formed to provide local community members a place to save, grow finances, and obtain loans.
- Headquarters
- 7921 Metropolitan Ave, Middle Village, NY 11379
- FDIC certificate
- 30260 ↗
Branches
6 branches in New York
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New York
6 branches
- Cross County Savings BankMain office7921 Metropolitan Ave, Middle Village, NY 11379Directions
- Belle Harbor Branch455 Beach 129th St, Belle Harbor, NY 11694Directions
- Van Nest Branch791 Morris Park Ave, Bronx, NY 10462Directions
- Kings Branch731 Metropolitan Ave, Brooklyn, NY 11211Directions
- Maspeth Branch6020 Fresh Pond Rd, Maspeth, NY 11378Directions
- Eliot Branch8010 Eliot Ave, Middle Village, NY 11379Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.84% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.21% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.46% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio12.84%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.21%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.46%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Cross County Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.