Bank · FDIC insured
First Central Savings Bank
A $1B bank headquartered in Glen Cove, NY, with 10 branches in New York.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—4.30%CD rates →
- Savings—4.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Central Savings Bank
Founded in 1999, First Central Savings Bank is a community bank with its corporate center in Glen Cove, New York.
The bank operates branch locations in Astoria, Bayside, Ditmars, Flushing, Forest Hills, Glen Cove, Huntington, Lynbrook, and Whitestone.
- Headquarters
- 70 Glen St, Glen Cove, NY 11542
- FDIC certificate
- 34969 ↗
Branches
10 branches in New York
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New York
10 branches
Glen Cove area · 2
- First Central Savings BankMain office70 Glen St, Glen Cove, NY 11542Directions
- Glen Cove Branch70 Glen St, Glen Cove, NY 11542Directions
Astoria area · 2
- Astoria Branch3501 30th Ave, Astoria, NY 11103Directions
- Ditmars Branch3728 Ditmars Blvd, Astoria, NY 11105Directions
Bayside area · 1
- Bell Boulevard Branch4212 Bell Blvd, Bayside, NY 11361Directions
Flushing area · 1
- Main Street Branch7276 Main St, Flushing, NY 11367Directions
Forest Hills area · 1
- Forest Hills Branch7166 Austin St, Forest Hills, NY 11375Directions
Huntington area · 1
- Huntington Branch Office346 B New York Avenue, Huntington, NY 11743Directions
Lynbrook area · 1
- Lynbrook Branch303 Merrick Rd, Lynbrook, NY 11563Directions
Whitestone area · 1
- Whitestone Branch1919 Francis Lewis Blvd, Whitestone, NY 11357Directions
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 | 10.30% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.19% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.97% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $101 | $88 | — |
- CapitalLeverage ratio10.30%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.19%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.97%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$101Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 First Central Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.