First Central Savings Bank

Headquarters: Glen Cove, New York
Charter: Bank
Assets: $1.0B
Fed district: New York
Regulator: FDIC
Holding company: First Central Bancorp Inc.

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 19, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 19, 2026

How these figures are measured

Call-report figures are for First Central Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	First Central Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: First Central Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $176K in Q2 2026, 209% above the same quarter a year earlier ($57K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Basic Checking Account
First Central Savings Bank: $3
First Central Savings Bank: $3
U.S. median: no median
NSF / Returned Item
First Central Savings Bank: $35
First Central Savings Bank: $35
U.S. median: no median
Non-Network ATM
First Central Savings Bank: $1
First Central Savings Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 148% from Q3 2025 to Q2 2026, to $176K.

Service-charge income, Q2 2026

$176K

$71KQ3 2025

$82KQ4 2025

$108KQ1 2026

$176KQ2 2026

Against the median

First Central Savings BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

First Central Savings Bank · $1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$1000M to $1.1B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
First Central Savings Bank(this institution)	Glen Cove, NY	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of the James	Lynchburg, VA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
BNC National Bank	Glendale, AZ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Brannen Bank	Inverness, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Brentwood Bank	Bethel Park, PA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Calvin B. Taylor Banking Company of Berlin, Maryland	Berlin, MD	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Clear Mountain Bank	Bruceton Mills, WV	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings and Loan Association of Greene Co	Waynesburg, PA	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Metro Bank	Muscle Shoals, AL	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Service Bank	Greenbrier, AR	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
GNBank, National Association	Girard, KS	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grand Savings Bank	Grove, OK	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania	Jonestown, PA	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kirkpatrick Bank	Edmond, OK	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Magyar Bank	New Brunswick, NJ	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Olympia Federal Savings and Loan Association	Olympia, WA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
OneLocal Bank	Norwood, MA	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Presidential Bank, FSB	Bethesda, MD	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
R Bank	Round Rock, TX	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River Bank	Stoddard, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Financial Bank	Durand, WI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Superior National Bank	Hancock, MI	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Port Washington State Bank	Port Washington, WI	$1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Torrington Savings Bank	Torrington, CT	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vision Bank	Ada, OK	$1000M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Walden Savings Bank	Montgomery, NY	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (54%) below the median of similar-sized banks.

Compared at $3, the middle of its two prices, against a peer median of $6.50 among 18 publishing peers.

Its two checking prices are $3 and $3.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Central Savings Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for First Central Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $176K
vs prior quarter: +$68K+63.0%; from Q1 2026
vs a year earlier: +$119K+208.8%; from Q2 2025
vs start of range: +$126K+252.0%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: First Central Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$176K	+$68K	+63.0%
Q1 2026	$108K	+$26K	+31.7%
Q4 2025	$82K	+$11K	+15.5%
Q3 2025	$71K	+$14K	+24.6%
Q2 2025	$57K	+$2K	+3.6%
Q1 2025	$55K	−$1K	−1.8%
Q4 2024	$56K	+$6K	+12.0%
Q3 2024	$50K	+$3K	+6.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from First Central Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Account Monthly fee$3
per month
Monthly fee if the balance in account falls below $250.00$3
per month
Statement Reconciliation/Account Research (Per Hour)$50
Not compared: Charged per hour; comparison unavailable
per hour · Statement Reconciliation/Account Research (Per Hour) | $50.00

Overdraft & NSF

ACH OD/NSF Charge$35
Charge to Return CHECK$35

ATM & Card

ATM withdrawal$1

Wire Transfers

WIRE TRANSFERS: Outgoing Domestic$35
WIRE TRANSFERS: Incoming$30
WIRE TRANSFERS: Outgoing International$50

Check Services

Official Check$10
Check Printing varies by check style$95
Collection Items (minimum fee)$50
Copy of Check or Statement (per item)$10
per item

Digital & Electronic

ACH Return Charge$35
Online Banking and BillpayNo charge
Not compared: Annual charge, not monthly
per year

Cash & Deposit

Returned deposited item$10

Account Services

Safe deposit 1 lost key$50
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$245
Safe Deposit Box 15x10$265
Safe Deposit Box 2x5$35
Safe Deposit Box 3x10$95
Safe Deposit Box 3x5$50
Safe Deposit Box 4x10$125
Safe Deposit Box 4x5$60
Safe Deposit Box 5x10$145
Safe Deposit Box 5x5$70
Safe Deposit Box 7x10$225
Safe deposit break$200
Safe deposit late payment (30 days after due date)$10
Not compared: Box drilling or key fee
Compliance / Legal Process (levy, subpoena, etc.)$125
Consulate Letter / Verification Letter$25

Retirement & IRA

IRA Transfer Fee$50

Other Fees

Copy of Transaction Slips$10
Fax Transmission (per page)$1
Not compared: Charged per page; comparison unavailable
per page · Fax Transmission (per page) | $1.00

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Account Monthly fee	$3	per month	None
Monthly fee if the balance in account falls below $250.00	$3	per month	None
Statement Reconciliation/Account Research (Per Hour)	$50Not compared: Charged per hour; comparison unavailable	per hour	Statement Reconciliation/Account Research (Per Hour) \| $50.00
Overdraft & NSF
ACH OD/NSF Charge	$35	Not stated	None
Charge to Return CHECK	$35	Not stated	None
ATM & Card
ATM withdrawal	$1	Not stated	None
Wire Transfers
WIRE TRANSFERS: Outgoing Domestic	$35	Not stated	None
WIRE TRANSFERS: Incoming	$30	Not stated	None
WIRE TRANSFERS: Outgoing International	$50	Not stated	None
Check Services
Official Check	$10	Not stated	None
Check Printing varies by check style	$95	Not stated	None
Collection Items (minimum fee)	$50	Not stated	None
Copy of Check or Statement (per item)	$10	per item	None
Digital & Electronic
ACH Return Charge	$35	Not stated	None
Online Banking and Billpay	No chargeNot compared: Annual charge, not monthly	per year	None
Cash & Deposit
Returned deposited item	$10	Not stated	None
Account Services
Safe deposit 1 lost key	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$245	Not stated	None
Safe Deposit Box 15x10	$265	Not stated	None
Safe Deposit Box 2x5	$35	Not stated	None
Safe Deposit Box 3x10	$95	Not stated	None
Safe Deposit Box 3x5	$50	Not stated	None
Safe Deposit Box 4x10	$125	Not stated	None
Safe Deposit Box 4x5	$60	Not stated	None
Safe Deposit Box 5x10	$145	Not stated	None
Safe Deposit Box 5x5	$70	Not stated	None
Safe Deposit Box 7x10	$225	Not stated	None
Safe deposit break	$200	Not stated	None
Safe deposit late payment (30 days after due date)	$10Not compared: Box drilling or key fee	Not stated	None
Compliance / Legal Process (levy, subpoena, etc.)	$125	Not stated	None
Consulate Letter / Verification Letter	$25	Not stated	None
Retirement & IRA
IRA Transfer Fee	$50	Not stated	None
Other Fees
Copy of Transaction Slips	$10	Not stated	None
Fax Transmission (per page)	$1Not compared: Charged per page; comparison unavailable	per page	Fax Transmission (per page) \| $1.00

Correct a fee source

Oct 19, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where First Central Savings Bank operates, and what regulators and customers have on file.

Market position

In New York-Newark-Jersey City, NY-NJ, First Central Savings Bank holds 0% of bank deposits, #78 of 151, with 10 offices.

Compare fees with the 174 New York-Newark-Jersey City, NY-NJ banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 15 institutions shown.

First Central Savings BankOther banksCredit unions

Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: New York-Newark-Jersey City, NY-NJ metro (FDIC metro code 35620), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 50 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1JPMorgan Chase Bank, National Association34.1%
2Goldman Sachs Bank USA9.6%
3The Bank of New York Mellon8.8%
4Morgan Stanley Private Bank, National Association7.2%
5Bank of America, National Association6.2%
6Citibank, National Association3.8%
7HSBC Bank USA, National Association3.6%
8TD Bank, National Association3.1%
78First Central Savings Bank0.0%

9 of 151 institutions shown. $2.9T in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: New York-Newark-Jersey City, NY-NJ metro (FDIC metro code 35620)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0% share, 10 offices, #78 of 151

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: New York-Newark-Jersey City, NY-NJ metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when First Central Savings Bank's foreign transaction changes in our data

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